Hamel, IL · Cert 17805
FDIC
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, 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.
Hamel, IL · Cert 17805
FDIC
Q2 2002
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 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.88% | 1.13% | 0.99% | 1.01% | 0.97% | 1.14% | 0.83% | -15 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 13.29% | 9.73% | n/a | |
| Net Interest Margin | n/a | n/a | 3.15% | 2.96% | 3.02% | 3.07% | 3.38% | 3.25% | +28 bps | |
| Efficiency Ratio | n/a | n/a | 54.89% | 57.67% | 56.40% | 59.15% | 54.81% | 62.81% | +514 bps | |
| Non-Interest Burden | n/a | n/a | 1.52% | 1.55% | 1.55% | 1.68% | 1.67% | 1.91% | +36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.69% | 7.95% | 4.42% | 9.14% | 7.08% | 3.10% | 0.41% | 0.42% | -871 bps | |
| Loan Growth (YoY) | 2.22% | 6.00% | 5.59% | 9.46% | 18.07% | 15.72% | 8.72% | -1.31% | -1,077 bps | |
| Deposit Growth (YoY) | 3.26% | 7.24% | 2.48% | 7.77% | 5.33% | 2.23% | -0.28% | -0.08% | -785 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 | n/a | n/a | -0.02% | -0.01% | 0.01% | 0.02% | 0.02% | 0.09% | +10 bps | |
| Allowance / Loans | n/a | n/a | 1.17% | 1.13% | 1.09% | 1.16% | 1.25% | 1.29% | +16 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 | n/a | n/a | 16.23% | 15.88% | 15.71% | 16.11% | 16.83% | 16.80% | +92 bps | |
| Equity / Assets | n/a | n/a | 7.95% | 7.91% | 8.55% | 8.53% | 8.62% | 8.49% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 51.62% | 50.01% | 50.47% | 52.03% | 57.86% | 56.60% | 55.03% | 51.39% | -64 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 1.67% | 1.97% | 2.76% | 7.07% | 5.88% | 8.19% | +622 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |