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Community Bank of Dupage

Westmont, IL · Cert 58353

FDIC

Q4 2010

$63.4MAssets
$46.4MLoans
$46.9MDeposits
$6.4MEquity
Deposit mix
84%Interest-bearing $39.3M16%Noninterest $7.6MQ4 2009Q4 2010

NIM

7.29%Q4 ’085.36%Q4 ’094.42%Q4 ’10-4%-13%

Non-interest income vs. expense

3.90%Q4 ’082.97%Q4 ’092.58%Q4 ’10-1%-23%

Executive Summary

  • Earnings: ROA of -2.69%, down 15 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 5.09%.
  • Funding: loans stand at 98.80% of deposits as of Q4 2010.

Financial Results

Return on Assets (quarter, annualized)

-2.69%-15 bps YoY

Net Interest Margin (quarter, annualized)

3.54%-51 bps YoY

Efficiency Ratio (quarter, annualized)

79.07%-1,021 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2009Q1 2010Q2 2010Q3 2010Q4 2010YoY ΔTrend
Earnings
Return on Assets-2.54%-4.72%-0.27%-0.60%-2.69%-15 bps
Return on Equity-20.67%-41.49%-2.48%-5.41%-25.36%-469 bps
Net Interest Margin4.06%3.69%3.79%3.14%3.54%-51 bps
Efficiency Ratio89.28%73.29%79.46%86.98%79.07%-1,021 bps
Non-Interest Burden3.70%2.63%2.95%2.67%2.86%-84 bps
Growth
Asset Growth (YoY)14.74%6.33%0.28%-5.80%-1.25%-1,599 bps
Loan Growth (YoY)12.04%-0.71%-3.71%-10.74%-14.43%-2,648 bps
Deposit Growth (YoY)-14.06%-14.85%-4.60%6.92%31.36%+4,542 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans5.69%0.00%-1.40%5.72%5.09%-60 bps
Allowance / Loans0.64%3.21%4.07%3.22%3.76%+312 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 Capital13.79%13.60%13.45%14.76%13.19%-60 bps
Equity / Assets12.03%10.71%11.00%11.18%10.07%-196 bps
Liquidity & Funding
Loans / Deposits151.68%129.16%120.44%110.49%98.80%-5,288 bps
Liquid Assets / Assets0.92%5.51%5.70%4.89%5.18%+427 bps
CRE / Total Capitaln/an/an/an/an/an/an/a