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Tremont Savings Bank

Tremont, IL · Cert 31369

FDIC

Q2 2010

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: Q2 2010, the quarter ended June 30, 2010, 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

Tremont Savings Bank

Tremont, IL · Cert 31369

FDIC

Q2 2010

$42.2MAssets
$26.7MLoans
$32.5MDeposits
$3.5MEquity
Loan mix
95%RE $19.1M5%C&I $1.0M0%Consumer $0.0MQ2 2009Q2 2010
Deposit mix
92%Interest-bearing $30.0M8%Noninterest $2.5MQ2 2009Q2 2010

NIM

5.52%Q2 ’084.72%Q2 ’094.67%Q2 ’10+6%+10%

Non-interest income vs. expense

2.92%Q2 ’082.62%Q2 ’092.78%Q2 ’10-14%+21%

Executive Summary

  • Earnings: ROA of 0.49%, up 66 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 82.35% of deposits as of Q2 2010.

Financial Results

Return on Assets (YTD, annualized)

0.49%+66 bps YoY

Net Interest Margin (YTD, annualized)

2.87%+26 bps YoY

Efficiency Ratio (YTD, annualized)

85.55%+463 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q2 2010YoY ΔTrend
Earnings
Return on Assets-0.17%-0.02%-0.11%0.60%0.49%+66 bps
Return on Equity-2.04%-0.30%-1.31%7.27%5.90%+795 bps
Net Interest Margin2.60%2.47%2.72%2.91%2.87%+26 bps
Efficiency Ratio80.92%83.05%80.29%78.12%85.55%+463 bps
Non-Interest Burden1.99%1.96%2.07%2.17%2.40%+41 bps
Growth
Asset Growth (YoY)4.22%-1.10%-0.33%-7.68%-7.21%-1,144 bps
Loan Growth (YoY)-6.33%-8.22%-10.01%-11.32%-8.00%-167 bps
Deposit Growth (YoY)5.55%-0.68%-0.31%-4.75%-5.00%-1,055 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.50%1.90%1.89%0.03%0.01%-48 bps
Allowance / Loans1.54%0.52%0.76%0.86%0.91%-63 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 Capital10.90%10.16%10.60%10.88%10.93%+3 bps
Equity / Assets7.58%8.22%8.09%8.45%8.37%+79 bps
Liquidity & Funding
Loans / Deposits85.03%90.94%87.61%83.18%82.35%-268 bps
Liquid Assets / Assets5.55%3.92%7.38%7.36%7.73%+217 bps
CRE / Total Capitaln/an/an/an/an/an/an/a