PackageTrendsPeer
Letter portraitLegal landscape

Arcola Homestead Savings Bank

Arcola, IL · Cert 31813

FDIC

Q1 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: Q1 2010, the quarter ended March 31, 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

Arcola Homestead Savings Bank

Arcola, IL · Cert 31813

FDIC

Q1 2010

$17.0MAssets
$12.1MLoans
$18.1MDeposits
$-1135KEquity
Loan mix
88%RE $8.2M12%C&I $1.1M0%Consumer $0.0MQ1 2009Q1 2010
Deposit mix
98%Interest-bearing $17.8M2%Noninterest $0.3MQ1 2009Q1 2010

NIM

5.01%Q1 ’085.64%Q1 ’095.45%Q1 ’10+39%+9%

Non-interest income vs. expense

3.77%Q1 ’082.44%Q1 ’094.08%Q1 ’10-35%+69%

Executive Summary

  • Earnings: ROA of -14.16%, down 1,431 bps year over year; NIM at 2.91%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.33%.
  • Funding: loans stand at 66.71% of deposits as of Q1 2010.

Financial Results

Return on Assets (YTD, annualized)

-14.16%-1,431 bps YoY

Net Interest Margin (YTD, annualized)

2.91%+23 bps YoY

Efficiency Ratio (YTD, annualized)

137.88%+4,879 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2009Q2 2009Q3 2009Q4 2009Q1 2010YoY ΔTrend
Earnings
Return on Assets0.15%0.62%0.60%-15.71%-14.16%-1,431 bps
Return on Equity1.08%4.63%4.60%-160.71%300%+29,905 bps
Net Interest Margin2.68%2.99%3.18%3.13%2.91%+23 bps
Efficiency Ratio89.09%77.22%77.40%83.63%137.88%+4,879 bps
Non-Interest Burden2.39%2.29%2.44%2.60%4.03%+165 bps
Growth
Asset Growth (YoY)71.56%86.60%92.08%21.36%-0.08%-7,164 bps
Loan Growth (YoY)231%219%111.14%8.29%-18.43%-24,919 bps
Deposit Growth (YoY)98.92%115.76%123.06%47.32%22.77%-7,615 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%12.93%-0.33%-33 bps
Allowance / Loans0.87%0.87%0.89%8.39%14.51%+1,364 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 Capital18.01%17.53%14.29%-3.61%-11.51%-2,952 bps
Equity / Assets13.12%12.35%12.09%-2.87%-6.67%-1,978 bps
Liquidity & Funding
Loans / Deposits100.40%96.65%101.93%75.90%66.71%-3,369 bps
Liquid Assets / Assets0.11%0.10%0.10%1.90%7.91%+780 bps
CRE / Total Capitaln/an/an/an/an/an/an/a