PackageTrendsPeer
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Unionbank/Northwest

Hanover, IL · Cert 17124

FDIC

Q4 2003

$30.9MAssets
$20.5MLoans
$22.0MDeposits
$4.0MEquity
Loan mix
84%RE $11.1M16%C&I $2.1M0%Consumer $0.0MQ4 2002Q4 2003
Deposit mix
89%Interest-bearing $19.6M11%Noninterest $2.4MQ4 2002Q4 2003

NIM

6.75%Q4 ’015.72%Q4 ’025.40%Q4 ’03+13%+6%

Non-interest income vs. expense

2.51%Q4 ’014.56%Q4 ’023.38%Q4 ’03+41%-16%

Executive Summary

  • Earnings: ROA of 0.80%, up 57 bps year over year; NIM at 3.67%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.05%.
  • Funding: loans stand at 92.98% of deposits as of Q4 2003.

Financial Results

Return on Assets (YTD, annualized)

0.80%+57 bps YoY

Net Interest Margin (YTD, annualized)

3.67%+21 bps YoY

Efficiency Ratio (YTD, annualized)

75.27%-1,709 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003YoY ΔTrend
Earnings
Return on Assets0.22%0.30%0.49%0.64%0.80%+57 bps
Return on Equity1.89%2.44%3.95%5.16%6.38%+449 bps
Net Interest Margin3.45%3.78%3.68%3.73%3.67%+21 bps
Efficiency Ratio92.36%91.51%86.24%78.45%75.27%-1,709 bps
Non-Interest Burden3.16%3.50%3.15%2.84%2.66%-50 bps
Growth
Asset Growth (YoY)-10.81%4.55%-0.33%-0.96%3.41%+1,422 bps
Loan Growth (YoY)-2.54%12.60%10.02%18.35%2.76%+530 bps
Deposit Growth (YoY)-20.36%-11.41%-18.00%-14.31%-3.69%+1,667 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.08%0.05%0.06%0.05%+5 bps
Allowance / Loans1.67%1.61%1.56%1.39%1.60%-7 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 Capital18.17%17.91%17.65%16.67%18.89%+72 bps
Equity / Assets12.60%12.03%12.55%12.40%12.91%+32 bps
Liquidity & Funding
Loans / Deposits87.14%90.28%97.76%106.13%92.98%+584 bps
Liquid Assets / Assets0.11%0.22%0.16%0.07%0.09%-2 bps
CRE / Total Capitaln/an/an/an/an/an/an/a