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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

9.12%Q3 ’074.50%Q3 ’082.67%Q3 ’09-65%-66%

Non-interest income vs. expense

2.68%Q3 ’073.45%Q3 ’088.45%Q3 ’09+29%+156%

Executive Summary

  • Earnings: ROA of -38.53%, down 3,692 bps year over year; NIM at 0.56%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 42.21%.
  • Funding: loans stand at 57.36% of deposits as of Q3 2009.

Financial Results

Return on Assets (quarter, annualized)

-38.53%-3,692 bps YoY

Net Interest Margin (quarter, annualized)

0.56%-109 bps YoY

Efficiency Ratio (quarter, annualized)

1218%+103,122 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets-1.61%-3.53%-18.25%-7.02%-38.53%-3,692 bps
Return on Equity-25.94%-59.98%-512%-310%-6744%-671,777 bps
Net Interest Margin1.65%0.67%1.50%1.12%0.56%-109 bps
Efficiency Ratio186.38%408%264%664%1218%+103,122 bps
Non-Interest Burden3.25%3.25%4.20%8.22%8.32%+507 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 / Loans0.00%-0.42%26.49%0.03%42.21%+4,221 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