Hammond, IL · Cert 11742
FDIC
Q4 2001
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Hammond, IL · Cert 11742
FDIC
Q4 2001
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.56% | 0.89% | 1.19% | 1.00% | 0.90% | -66 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | 3.37% | 3.78% | 3.64% | 3.43% | n/a | |
| Efficiency Ratio | n/a | 78.21% | 72.78% | 76.22% | 75.39% | n/a | |
| Non-Interest Burden | n/a | 2.50% | 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | -0.62% | -0.43% | -0.35% | 1.60% | n/a | |
| Allowance / Loans | n/a | 2.94% | 2.99% | 3.04% | 1.78% | n/a | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | 22.66% | 23.24% | 22.00% | 23.46% | n/a | |
| Equity / Assets | n/a | 10.14% | 10.93% | 11.28% | 11.16% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 50.13% | 47.09% | 51.25% | 50.47% | 49.00% | -114 bps | |
| Liquid Assets / Assets | 0.00% | 0.90% | 0.97% | 0.95% | 0.89% | +89 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |