PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Community Bank of Lemont

Lemont, IL · Cert 35291

FDIC

Q3 2009

$81.8MAssets
$46.3MLoans
$80.7MDeposits
$-1710KEquity
Deposit mix
85%Interest-bearing $68.3M15%Noninterest $12.4MQ3 2008Q3 2009

NIM

8.14%Q3 ’076.48%Q3 ’083.47%Q3 ’09-32%-62%

Non-interest income vs. expense

2.64%Q3 ’073.18%Q3 ’087.27%Q3 ’09+22%+136%

Executive Summary

  • Earnings: ROA of -20.92%, down 1,939 bps year over year; NIM at 1.13%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 28.16%.
  • Funding: loans stand at 57.36% of deposits as of Q3 2009.

Financial Results

Return on Assets (YTD, annualized)

-20.92%-1,939 bps YoY

Net Interest Margin (YTD, annualized)

1.13%-182 bps YoY

Efficiency Ratio (YTD, annualized)

572%+46,950 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets-1.52%-2.00%-18.25%-12.77%-20.92%-1,939 bps
Return on Equity-22.95%-31.06%-512%-369%-979%-95,644 bps
Net Interest Margin2.95%2.42%1.50%1.38%1.13%-182 bps
Efficiency Ratio102.17%126.90%264%428%572%+46,950 bps
Non-Interest Burden3.01%3.11%4.20%6.41%7.12%+411 bps
Growth
Asset Growth (YoY)-1.08%-8.00%-17.47%-18.41%-14.61%-1,353 bps
Loan Growth (YoY)0.71%-4.08%-18.04%-18.96%-44.92%-4,563 bps
Deposit Growth (YoY)-6.44%-14.47%-23.95%-28.18%-0.49%+595 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.18%0.80%26.49%14.19%28.16%+2,698 bps
Allowance / Loans2.46%3.34%2.05%2.19%4.87%+241 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 Capital11.80%10.86%2.83%6.50%-3.12%-1,492 bps
Equity / Assets6.17%5.60%1.35%3.22%-2.09%-826 bps
Liquidity & Funding
Loans / Deposits103.63%102.71%101.90%103.39%57.36%-4,627 bps
Liquid Assets / Assets0.00%0.00%0.00%0.21%0.17%+17 bps
CRE / Total Capitaln/an/an/an/an/an/an/a