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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 ’016.36%Q3 ’015.54%Q4 ’01-3%-10%

Non-interest income vs. expense

3.14%Q1 ’013.34%Q3 ’013.33%Q4 ’01+5%-34%

Executive Summary

  • Earnings: ROA of 0.58%, down 98 bps year over year; NIM at 2.95%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 7.53%.
  • Funding: loans stand at 49.00% of deposits as of Q4 2001.

Financial Results

Return on Assets (quarter, annualized)

0.58%-98 bps YoY

Net Interest Margin (quarter, annualized)

2.95%

Efficiency Ratio (quarter, annualized)

73.05%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets1.56%0.89%1.48%0.64%0.58%-98 bps
Return on Equityn/an/a14.07%5.72%5.13%n/a
Net Interest Marginn/a3.37%3.99%3.26%2.95%n/a
Efficiency Ration/a78.21%67.84%84.03%73.05%n/a
Non-Interest Burdenn/a2.50%2.48%2.63%1.72%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%-0.25%-0.19%7.53%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