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Strategic Capital Bank

Champaign, IL · Cert 35175

FDIC

Q1 2009

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 2009, the quarter ended March 31, 2009, 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

Strategic Capital Bank

Champaign, IL · Cert 35175

FDIC

Q1 2009

$546.6MAssets
$205.4MLoans
$479.4MDeposits
$12.9MEquity
Loan mix
76%RE $126.3M24%C&I $39.7M0%Consumer $0.3MQ1 2008Q1 2009
Deposit mix
98%Interest-bearing $468.7M2%Noninterest $10.7MQ1 2008Q1 2009

NIM

6.17%Q1 ’076.66%Q1 ’086.09%Q1 ’09+24%-26%

Non-interest income vs. expense

1.59%Q1 ’071.13%Q1 ’081.24%Q1 ’09+18%+51%

Executive Summary

  • Earnings: ROA of 1.13%, up 330 bps year over year; NIM at 2.01%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 42.85% of deposits as of Q1 2009.

Financial Results

Return on Assets (YTD, annualized)

1.13%+330 bps YoY

Net Interest Margin (YTD, annualized)

2.01%-70 bps YoY

Efficiency Ratio (YTD, annualized)

53.71%+1,919 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2008Q2 2008Q3 2008Q4 2008Q1 2009YoY ΔTrend
Earnings
Return on Assets-2.17%-0.79%-1.67%-3.90%1.13%+330 bps
Return on Equity-30.58%-13.72%-35.20%-98.33%70.36%+10,094 bps
Net Interest Margin2.71%2.56%2.37%2.47%2.01%-70 bps
Efficiency Ratio34.52%27.60%30.30%34.53%53.71%+1,919 bps
Non-Interest Burden0.66%0.48%0.52%0.67%1.00%+34 bps
Growth
Asset Growth (YoY)145.22%150.18%108.82%54.76%-14.05%-15,927 bps
Loan Growth (YoY)72.22%85.63%53.03%41.53%5.66%-6,657 bps
Deposit Growth (YoY)145.41%180.85%158.07%70.18%-5.25%-15,067 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans9.98%5.31%3.64%5.30%0.00%-998 bps
Allowance / Loans0.94%1.80%1.88%4.47%4.26%+332 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 Capital10.64%7.08%8.93%5.15%5.74%-490 bps
Equity / Assets5.95%3.71%2.01%0.92%2.36%-359 bps
Liquidity & Funding
Loans / Deposits38.43%42.55%43.78%44.87%42.85%+442 bps
Liquid Assets / Assets0.06%0.01%0.01%0.01%0.01%-4 bps
CRE / Total Capitaln/an/an/an/an/an/an/a