PackageTrendsPeer
Letter portraitLegal landscape

Community Bank-Wheaton/Glen Ellyn

Glen Ellyn, IL · Cert 33953

FDIC · 4 branches

Q2 2015

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 2015, the quarter ended June 30, 2015, 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

Community Bank-Wheaton/Glen Ellyn

Glen Ellyn, IL · Cert 33953

FDIC · 4 branches

Q2 2015

$335.5MAssets
$179.7MLoans
$302.0MDeposits
$29.9MEquity
Loan mix
89%RE $131.0M10%C&I $15.3M1%Consumer $1.1MQ2 2014Q2 2015
Deposit mix
86%Interest-bearing $258.5M14%Noninterest $43.5MQ2 2014Q2 2015

NIM

3.46%Q2 ’133.55%Q2 ’143.11%Q2 ’15+6%-13%

Non-interest income vs. expense

4.31%Q2 ’133.10%Q2 ’142.50%Q2 ’15-30%-22%

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2015 SOD (annual) · 0.1% share · #84 of 218 inst. · $0.3B of $384.6B

Executive Summary

  • Earnings: ROA of 0.54%, up 6 bps year over year; NIM at 2.77%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 8.79%.
  • Funding: loans stand at 59.50% of deposits as of Q2 2015.

Financial Results

Return on Assets (YTD, annualized)

0.54%+6 bps YoY

Net Interest Margin (YTD, annualized)

2.77%-40 bps YoY

Efficiency Ratio (YTD, annualized)

76.67%-699 bps YoY

Tier 1 Leverage Ratio

8.79%

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets0.48%2.11%1.69%0.50%0.54%+6 bps
Return on Equity7.41%30.31%23.27%5.85%6.26%-115 bps
Net Interest Margin3.16%3.22%3.18%3.02%2.77%-40 bps
Efficiency Ratio83.66%82.91%85.33%80.83%76.67%-699 bps
Non-Interest Burden2.56%2.57%2.63%2.32%2.00%-55 bps
Growth
Asset Growth (YoY)-3.24%-4.60%-1.72%-1.81%-2.77%+47 bps
Loan Growth (YoY)-3.46%-3.57%-5.97%-8.47%-7.48%-402 bps
Deposit Growth (YoY)-4.05%-6.29%-3.28%-3.39%-4.01%+4 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.05%-0.05%-0.01%0.05%0.10%+16 bps
Allowance / Loans1.41%1.39%1.32%1.34%1.32%-9 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/a7.88%8.79%n/a
Total Risk-Based Capital12.46%12.91%13.41%13.72%16.38%+392 bps
Equity / Assets6.84%8.41%8.46%8.70%8.90%+206 bps
Liquidity & Funding
Loans / Deposits61.73%63.51%59.63%58.91%59.50%-223 bps
Liquid Assets / Assets6.11%1.20%3.62%1.96%0.88%-522 bps
CRE / Total Capitaln/an/an/an/an/an/an/a