Arcola Homestead Savings Bank

Arcola, IL · Cert 31813

FDIC

Q1 2010

$17.0MAssets

$12.1MLoans

$18.1MDeposits

$-1135KEquity

Loan mix

Deposit mix

NIM

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.

Return on Assets (quarter, annualized)

-14.16%-1,431 bps YoY

Net Interest Margin (quarter, annualized)

2.91%+23 bps YoY

Efficiency Ratio (quarter, annualized)

137.88%+4,879 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q1 2009	Q2 2009	Q3 2009	Q4 2009	Q1 2010	YoY Δ	Trend
Earnings
Return on Assets	0.15%	1.04%	0.55%	-60.97%	-14.16%	-1,431 bps
Return on Equity	1.08%	8.15%	4.53%	-1260%	300%	+29,905 bps
Net Interest Margin	2.68%	3.62%	3.79%	3.74%	2.91%	+23 bps
Efficiency Ratio	89.09%	69.59%	77.66%	98.48%	137.88%	+4,879 bps
Non-Interest Burden	2.39%	2.49%	2.91%	3.68%	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 / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.00%	0.00%	0.00%	51.73%	-0.33%	-33 bps
Allowance / Loans	0.87%	0.87%	0.89%	8.39%	14.51%	+1,364 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	18.01%	17.53%	14.29%	-3.61%	-11.51%	-2,952 bps
Equity / Assets	13.12%	12.35%	12.09%	-2.87%	-6.67%	-1,978 bps
Liquidity & Funding
Loans / Deposits	100.40%	96.65%	101.93%	75.90%	66.71%	-3,369 bps
Liquid Assets / Assets	0.11%	0.10%	0.10%	1.90%	7.91%	+780 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a