PackageTrendsPeer
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Valley Community Bank

Saint Charles, IL · Cert 34187

FDIC

Q4 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: Q4 2010, the quarter ended December 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

Valley Community Bank

Saint Charles, IL · Cert 34187

FDIC

Q4 2010

$123.8MAssets
$90.9MLoans
$124.2MDeposits
$-833KEquity
Loan mix
90%RE $61.0M9%C&I $6.2M0%Consumer $0.3MQ4 2009Q4 2010
Deposit mix
92%Interest-bearing $114.6M8%Noninterest $9.6MQ4 2009Q4 2010

NIM

5.70%Q4 ’084.52%Q4 ’094.37%Q4 ’10-34%+24%

Non-interest income vs. expense

3.35%Q4 ’083.78%Q4 ’096.21%Q4 ’10+11%+70%

Executive Summary

  • Earnings: ROA of -5.00%, down 129 bps year over year; NIM at 2.52%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 4.56%.
  • Funding: loans stand at 73.18% of deposits as of Q4 2010.

Financial Results

Return on Assets (YTD, annualized)

-5.00%-129 bps YoY

Net Interest Margin (YTD, annualized)

2.52%+48 bps YoY

Efficiency Ratio (YTD, annualized)

205%+5,097 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q2 2010Q3 2010Q4 2010YoY ΔTrend
Earnings
Return on Assets-3.71%-2.12%-2.05%-2.07%-5.00%-129 bps
Return on Equity-59.36%-55.39%-56.20%-59.17%-181.02%-12,166 bps
Net Interest Margin2.04%2.24%2.25%2.41%2.52%+48 bps
Efficiency Ratio154.24%154.36%161.54%169.68%205%+5,097 bps
Non-Interest Burden3.36%3.70%3.98%4.52%5.70%+234 bps
Growth
Asset Growth (YoY)-8.23%-13.20%-15.12%-20.75%-19.85%-1,162 bps
Loan Growth (YoY)-16.14%-19.29%-20.47%-16.73%-17.86%-172 bps
Deposit Growth (YoY)-1.44%-6.21%-5.46%-12.30%-11.28%-985 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.79%1.38%2.09%1.83%4.56%+277 bps
Allowance / Loans4.10%4.47%4.07%3.98%4.23%+13 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 Capital6.80%6.57%5.89%5.48%-0.88%-769 bps
Equity / Assets4.14%3.50%3.28%2.96%-0.67%-481 bps
Liquidity & Funding
Loans / Deposits79.04%73.01%72.78%72.82%73.18%-586 bps
Liquid Assets / Assets4.25%18.14%10.07%11.68%9.58%+533 bps
CRE / Total Capitaln/an/an/an/an/an/an/a