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Wheatland Bank

Naperville, IL · Cert 58429

FDIC

Q1 2010

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 2010, the quarter ended March 31, 2010, 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

Wheatland Bank

Naperville, IL · Cert 58429

FDIC

Q1 2010

$441.7MAssets
$380.1MLoans
$448.9MDeposits
$-10986KEquity
Deposit mix
99%Interest-bearing $444.3M1%Noninterest $4.6MQ1 2009Q1 2010

NIM

6.66%Q1 ’085.63%Q1 ’092.58%Q1 ’10-17%-101%

Non-interest income vs. expense

1.13%Q1 ’081.05%Q1 ’092.91%Q1 ’10-9%+185%

Executive Summary

  • Earnings: ROA of -2.69%, down 392 bps year over year; NIM at -0.02%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.74%.
  • Funding: loans stand at 84.66% of deposits as of Q1 2010.

Financial Results

Return on Assets (YTD, annualized)

-2.69%-392 bps YoY

Net Interest Margin (YTD, annualized)

-0.02%-227 bps YoY

Efficiency Ratio (YTD, annualized)

20150%+2,010,418 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2009Q2 2009Q3 2009Q4 2009Q1 2010YoY ΔTrend
Earnings
Return on Assets1.22%0.68%0.13%-9.17%-2.69%-392 bps
Return on Equity15.30%8.45%1.63%-146.87%123.60%+10,830 bps
Net Interest Margin2.25%2.04%1.68%1.13%-0.02%-227 bps
Efficiency Ratio45.82%54.16%62.05%101.25%20150%+2,010,418 bps
Non-Interest Burden1.01%1.09%1.03%1.15%2.88%+187 bps
Growth
Asset Growth (YoY)52.37%18.54%2.99%-10.05%-9.73%-6,210 bps
Loan Growth (YoY)67.24%28.97%7.88%0.07%-5.57%-7,281 bps
Deposit Growth (YoY)63.93%21.26%5.33%-0.02%0.88%-6,305 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.09%0.06%4.62%0.74%+74 bps
Allowance / Loans2.60%2.66%2.89%8.90%9.16%+656 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 Capital10.52%10.56%10.36%-2.25%-2.99%-1,351 bps
Equity / Assets8.10%8.18%8.05%-1.87%-2.49%-1,059 bps
Liquidity & Funding
Loans / Deposits90.44%93.64%96.36%91.08%84.66%-578 bps
Liquid Assets / Assets2.06%1.59%9.43%11.57%16.15%+1,409 bps
CRE / Total Capitaln/an/an/an/an/an/an/a