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Community Bank of Oak Park River Forest

Oak Park, IL · Cert 34325

FDIC · 3 branches

Q1 2019

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 2019, the quarter ended March 31, 2019, 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 of Oak Park River Forest

Oak Park, IL · Cert 34325

FDIC · 3 branches

Q1 2019

$323.3MAssets
$269.5MLoans
$285.4MDeposits
$33.6MEquity
Loan mix
74%RE $154.0M25%C&I $52.3M1%Consumer $1.1MQ1 2018Q1 2019
Deposit mix
75%Interest-bearing $214.6M25%Noninterest $70.8MQ1 2018Q1 2019

NIM

4.31%Q1 ’174.72%Q1 ’185.47%Q1 ’19+10%+11%

Non-interest income vs. expense

3.87%Q1 ’174.22%Q1 ’183.64%Q1 ’19+24%-8%

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2018 SOD (annual) · 0.1% share · #85 of 189 inst. · $0.3B of $398.0B

Executive Summary

  • Earnings: ROA of 1.28%, up 50 bps year over year; NIM at 5.11%.
  • Asset quality: problem loans at 2.29% of loans (+51 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.19%, up 74 bps from a year ago.
  • Funding: loans stand at 94.43% of deposits as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

1.28%+50 bps YoY

Net Interest Margin (YTD, annualized)

5.11%+51 bps YoY

Efficiency Ratio (YTD, annualized)

66.95%-1,395 bps YoY

Tier 1 Leverage Ratio

10.19%+74 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets0.78%1.01%1.08%1.23%1.28%+50 bps
Return on Equity8.31%10.68%11.43%12.86%12.48%+416 bps
Net Interest Margin4.61%4.66%4.81%4.87%5.11%+51 bps
Efficiency Ratio80.90%74.60%73.09%70.40%66.95%-1,395 bps
Non-Interest Burden3.60%3.22%3.26%3.14%3.31%-29 bps
Growth
Asset Growth (YoY)4.23%3.90%0.67%0.50%-0.76%-499 bps
Loan Growth (YoY)2.17%4.25%4.68%6.37%7.28%+511 bps
Deposit Growth (YoY)6.15%5.18%2.41%0.63%-2.77%-892 bps
Asset Quality
Nonperforming Loans / Loans1.78%1.51%1.48%2.87%2.29%+51 bps
Net Charge-Offs / Loans-0.65%-0.36%-0.23%-0.17%-0.01%+65 bps
Allowance / Loans1.36%1.41%1.33%1.32%1.34%-1 bps
Allowance Coverage of NPLs0.8x0.9x0.9x0.5x0.6x-0.2x
Capital
Tier 1 Leverage Ratio9.45%9.45%9.61%9.95%10.19%+74 bps
Total Risk-Based Capital11.84%12.17%11.73%12.11%12.62%+77 bps
Equity / Assets9.39%9.52%9.50%10.08%10.41%+101 bps
Liquidity & Funding
Loans / Deposits85.58%86.66%91.51%94.70%94.43%+885 bps
Liquid Assets / Assets6.85%5.68%2.46%1.83%1.48%-537 bps
CRE / Total Capitaln/an/an/an/an/an/an/a