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South Holland Trust & Savings Bank

South Holland, IL · Cert 10824

FDIC

Q1 2003

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 2003, the quarter ended March 31, 2003, 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

South Holland Trust & Savings Bank

South Holland, IL · Cert 10824

FDIC

Q1 2003

$558.1MAssets
$263.4MLoans
$457.1MDeposits
$94.0MEquity
Loan mix
58%RE $80.1M42%C&I $58.2M0%Consumer $0.3MQ1 2002Q1 2003
Deposit mix
81%Interest-bearing $368.3M19%Noninterest $88.8MQ1 2002Q1 2003

NIM

7.01%Q1 ’015.85%Q1 ’022.60%Q1 ’03+2%-53%

Non-interest income vs. expense

4.99%Q1 ’015.23%Q1 ’022.53%Q1 ’03-14%-61%

Executive Summary

  • Earnings: ROA of 0.58%, down 114 bps year over year; NIM at 1.93%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.17%.
  • Funding: loans stand at 57.62% of deposits as of Q1 2003.

Financial Results

Return on Assets (YTD, annualized)

0.58%-114 bps YoY

Net Interest Margin (YTD, annualized)

1.93%-218 bps YoY

Efficiency Ratio (YTD, annualized)

70.78%-354 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2002Q2 2002Q3 2002Q4 2002Q1 2003YoY ΔTrend
Earnings
Return on Assets1.72%1.37%1.53%-0.08%0.58%-114 bps
Return on Equity13.60%10.68%11.69%-0.61%3.97%-963 bps
Net Interest Margin4.10%4.08%4.02%3.97%1.93%-218 bps
Efficiency Ratio74.31%74.84%74.53%88.08%70.78%-354 bps
Non-Interest Burden2.40%2.41%2.36%3.19%0.94%-145 bps
Growth
Asset Growth (YoY)1.25%3.67%2.10%1.44%7.77%+652 bps
Loan Growth (YoY)-9.30%-9.33%-12.47%-13.92%-10.60%-130 bps
Deposit Growth (YoY)1.98%4.02%1.79%0.49%1.90%-8 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.16%-0.08%-0.06%0.15%-0.17%-1 bps
Allowance / Loans0.58%0.58%0.61%2.17%1.46%+89 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 Capital15.09%15.06%16.07%15.36%15.34%+25 bps
Equity / Assets12.69%13.11%13.82%12.44%16.85%+416 bps
Liquidity & Funding
Loans / Deposits65.68%64.49%60.73%59.64%57.62%-806 bps
Liquid Assets / Assets0.05%0.05%0.05%0.05%0.77%+72 bps
CRE / Total Capitaln/an/an/an/an/an/an/a