Hanover, IL · Cert 17124
FDIC
Q4 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2003, the quarter ended December 31, 2003, 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.
Hanover, IL · Cert 17124
FDIC
Q4 2003
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 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.27% | 0.10% | 0.22% | 0.30% | 0.49% | 0.64% | 0.80% | +57 bps | |
| Return on Equity | 2.41% | 2.29% | 0.83% | 1.89% | 2.44% | 3.95% | 5.16% | 6.38% | +449 bps | |
| Net Interest Margin | 3.39% | 3.49% | 3.46% | 3.45% | 3.78% | 3.68% | 3.73% | 3.67% | +21 bps | |
| Efficiency Ratio | 90.75% | 90.67% | 96.42% | 92.36% | 91.51% | 86.24% | 78.45% | 75.27% | -1,709 bps | |
| Non-Interest Burden | 3.07% | 3.13% | 3.37% | 3.16% | 3.50% | 3.15% | 2.84% | 2.66% | -50 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.81% | -0.49% | -5.81% | -10.81% | 4.55% | -0.33% | -0.96% | 3.41% | +1,422 bps | |
| Loan Growth (YoY) | -10.62% | -6.65% | -2.29% | -2.54% | 12.60% | 10.02% | 18.35% | 2.76% | +530 bps | |
| Deposit Growth (YoY) | -6.30% | 1.43% | -11.83% | -20.36% | -11.41% | -18.00% | -14.31% | -3.69% | +1,667 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.01% | 0.01% | 0.08% | 0.05% | 0.06% | 0.05% | +5 bps | |
| Allowance / Loans | 1.47% | 1.50% | 1.57% | 1.67% | 1.61% | 1.56% | 1.39% | 1.60% | -7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 19.59% | 18.31% | 17.88% | 18.17% | 17.91% | 17.65% | 16.67% | 18.89% | +72 bps | |
| Equity / Assets | 12.11% | 12.12% | 11.78% | 12.60% | 12.03% | 12.55% | 12.40% | 12.91% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.03% | 72.86% | 76.84% | 87.14% | 90.28% | 97.76% | 106.13% | 92.98% | +584 bps | |
| Liquid Assets / Assets | 0.09% | 0.06% | 0.07% | 0.11% | 0.22% | 0.16% | 0.07% | 0.09% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |