PackageTrendsPeer
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State Bank of Hammond

Hammond, IL · Cert 11742

FDIC

Q4 2001

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: Q4 2001, the quarter ended December 31, 2001, 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

State Bank of Hammond

Hammond, IL · Cert 11742

FDIC

Q4 2001

$14.5MAssets
$6.0MLoans
$12.3MDeposits
$1.6MEquity
Deposit mix
89%Interest-bearing $10.8M11%Noninterest $1.4MQ4 2000Q4 2001

NIM

6.85%Q1 ’017.05%Q3 ’016.61%Q4 ’01+8%-6%

Non-interest income vs. expense

3.14%Q1 ’013.31%Q3 ’013.28%Q4 ’01+4%-9%

Executive Summary

  • Earnings: ROA of 0.90%, down 66 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.60%.
  • Funding: loans stand at 49.00% of deposits as of Q4 2001.

Financial Results

Return on Assets (YTD, annualized)

0.90%-66 bps YoY

Net Interest Margin (YTD, annualized)

3.43%

Efficiency Ratio (YTD, annualized)

75.39%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets1.56%0.89%1.19%1.00%0.90%-66 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/a3.37%3.78%3.64%3.43%n/a
Efficiency Ration/a78.21%72.78%76.22%75.39%n/a
Non-Interest Burdenn/a2.50%2.57%2.61%2.36%n/a
Growth
Asset Growth (YoY)0.61%1.63%-5.04%-3.78%-5.11%-572 bps
Loan Growth (YoY)-10.61%-8.39%-12.29%-10.97%-12.27%-167 bps
Deposit Growth (YoY)-1.70%-1.06%-7.92%-6.50%-10.24%-854 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a-0.62%-0.43%-0.35%1.60%n/a
Allowance / Loansn/a2.94%2.99%3.04%1.78%n/a
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 Capitaln/a22.66%23.24%22.00%23.46%n/a
Equity / Assetsn/a10.14%10.93%11.28%11.16%n/a
Liquidity & Funding
Loans / Deposits50.13%47.09%51.25%50.47%49.00%-114 bps
Liquid Assets / Assets0.00%0.90%0.97%0.95%0.89%+89 bps
CRE / Total Capitaln/an/an/an/an/an/an/a