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Twin Oaks Savings Bank

Marseilles, IL · Cert 31004

FDIC · 2 branches

Q3 2014

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2014, the quarter ended September 30, 2014, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Twin Oaks Savings Bank

Marseilles, IL · Cert 31004

FDIC · 2 branches

Q3 2014

$63.1MAssets
$32.1MLoans
$51.2MDeposits
$6.7MEquity
Loan mix
92%RE $27.5M5%C&I $1.5M3%Consumer $1.0MQ3 2013Q3 2014
Deposit mix
94%Interest-bearing $48.3M6%Noninterest $2.9MQ3 2013Q3 2014

NIM

3.59%Q3 ’123.16%Q3 ’133.53%Q3 ’14-10%+22%

Non-interest income vs. expense

2.30%Q3 ’122.37%Q3 ’133.32%Q3 ’14+7%+48%

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2014 SOD (annual) · 0.0% share · #213 of 226 inst. · $0.0B of $354.1B

1.4% La Salle
1.8% Grundy

Executive Summary

  • Earnings: ROA of -1.00%, down 90 bps year over year; NIM at 2.74%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.11%.
  • Funding: loans stand at 62.67% of deposits as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

-1.00%-90 bps YoY

Net Interest Margin (YTD, annualized)

2.74%+49 bps YoY

Efficiency Ratio (YTD, annualized)

107.98%+1,714 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets-0.10%0.06%-1.64%-0.95%-1.00%-90 bps
Return on Equity-1.01%0.58%-16.69%-9.53%-9.82%-881 bps
Net Interest Margin2.25%2.36%2.61%2.64%2.74%+49 bps
Efficiency Ratio90.84%87.96%98.54%109.63%107.98%+1,714 bps
Non-Interest Burden2.01%2.03%2.57%2.92%2.98%+97 bps
Growth
Asset Growth (YoY)-4.68%-5.95%-7.56%-6.52%-8.05%-337 bps
Loan Growth (YoY)-4.86%-4.95%-4.71%-2.00%-0.04%+482 bps
Deposit Growth (YoY)-2.80%-5.22%-4.80%-6.63%-7.61%-481 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.05%1.55%0.01%0.19%1.11%-94 bps
Allowance / Loans3.05%3.07%4.74%4.78%4.97%+192 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital22.54%23.23%22.70%22.06%21.55%-99 bps
Equity / Assets9.61%9.89%9.80%10.30%10.64%+103 bps
Liquidity & Funding
Loans / Deposits57.93%58.99%56.73%59.07%62.67%+475 bps
Liquid Assets / Assets7.11%6.12%5.73%6.70%4.25%-286 bps
CRE / Total Capitaln/an/an/an/an/an/an/a