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Malden State Bank, The

Malden, IL · Cert 10807

FDIC

Q4 2003

$13.3MAssets
$7.1MLoans
$11.2MDeposits
$1.8MEquity
Deposit mix
90%Interest-bearing $10.1M10%Noninterest $1.1MQ4 2002Q4 2003

NIM

6.73%Q4 ’015.82%Q4 ’025.04%Q4 ’03+3%-2%

Non-interest income vs. expense

2.63%Q4 ’012.60%Q4 ’022.56%Q4 ’03-3%-2%

Executive Summary

  • Earnings: ROA of 1.41%, down 8 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 63.30% of deposits as of Q4 2003.

Financial Results

Return on Assets (YTD, annualized)

1.41%-8 bps YoY

Net Interest Margin (YTD, annualized)

3.51%-5 bps YoY

Efficiency Ratio (YTD, annualized)

63.79%-4 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003YoY ΔTrend
Earnings
Return on Assets1.50%1.69%1.40%1.38%1.41%-8 bps
Return on Equity11.37%12.74%10.62%10.40%10.57%-80 bps
Net Interest Margin3.57%3.52%3.40%3.44%3.51%-5 bps
Efficiency Ratio63.83%57.35%63.22%63.96%63.79%-4 bps
Non-Interest Burden2.09%1.82%1.98%2.02%2.06%-3 bps
Growth
Asset Growth (YoY)2.85%-2.20%2.46%-2.31%-4.43%-728 bps
Loan Growth (YoY)-5.17%-5.82%0.13%-0.52%12.13%+1,730 bps
Deposit Growth (YoY)2.50%-3.41%2.65%-2.40%-5.05%-755 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.04%0.03%+3 bps
Allowance / Loans2.47%2.57%2.56%2.47%2.21%-27 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 Capital24.22%24.18%22.37%22.25%21.55%-267 bps
Equity / Assets13.38%13.20%13.09%13.40%13.64%+27 bps
Liquidity & Funding
Loans / Deposits53.60%52.80%52.68%57.15%63.30%+969 bps
Liquid Assets / Assets2.66%3.25%2.65%3.47%4.15%+149 bps
CRE / Total Capitaln/an/an/an/an/an/an/a