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Peoples' Bank of Arlington Heights, The

Arlington Heights, IL · Cert 35195

FDIC · 2 branches

Q3 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: Q3 2015, the quarter ended September 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

Peoples' Bank of Arlington Heights, The

Arlington Heights, IL · Cert 35195

FDIC · 2 branches

Q3 2015

$106.6MAssets
$57.3MLoans
$93.1MDeposits
$12.8MEquity
Loan mix
81%RE $33.4M18%C&I $7.5M1%Consumer $0.6MQ3 2014Q3 2015
Deposit mix
82%Interest-bearing $76.6M18%Noninterest $16.5MQ3 2014Q3 2015

NIM

3.50%Q3 ’133.72%Q3 ’143.33%Q3 ’15+9%-9%

Non-interest income vs. expense

2.79%Q3 ’132.93%Q3 ’142.50%Q3 ’15+4%-11%

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2015 SOD (annual) · 0.0% share · #158 of 218 inst. · $0.1B of $384.6B

Executive Summary

  • Earnings: ROA of 0.48%, down 6 bps year over year; NIM at 3.02%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.16%.
  • Capital: tier 1 leverage ratio of 11.45%.
  • Funding: loans stand at 61.53% of deposits as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

0.48%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.02%-31 bps YoY

Efficiency Ratio (YTD, annualized)

79.95%-227 bps YoY

Tier 1 Leverage Ratio

11.45%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.54%0.63%0.42%0.48%0.48%-6 bps
Return on Equity4.78%5.56%3.71%4.24%4.15%-63 bps
Net Interest Margin3.32%3.19%2.95%3.01%3.02%-31 bps
Efficiency Ratio82.23%82.90%81.13%80.31%79.95%-227 bps
Non-Interest Burden2.69%2.61%2.37%2.39%2.39%-30 bps
Growth
Asset Growth (YoY)-3.63%2.67%4.40%4.75%3.13%+676 bps
Loan Growth (YoY)-8.12%-4.55%-2.43%0.91%5.82%+1,394 bps
Deposit Growth (YoY)-4.31%2.18%4.27%5.89%3.43%+774 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.27%0.00%0.00%-0.21%-0.16%-43 bps
Allowance / Loans2.23%1.91%1.83%1.81%1.82%-41 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a11.32%11.37%11.45%n/a
Total Risk-Based Capital20.26%19.82%20.60%19.76%20.16%-10 bps
Equity / Assets11.65%11.23%11.43%11.57%11.99%+34 bps
Liquidity & Funding
Loans / Deposits60.14%58.18%58.66%60.66%61.53%+139 bps
Liquid Assets / Assets7.02%4.08%2.80%1.68%0.38%-664 bps
CRE / Total Capitaln/an/an/an/an/an/an/a