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Hamel State Bank

Hamel, IL · Cert 17805

FDIC

Q2 2002

$54.9MAssets
$25.7MLoans
$50.0MDeposits
$4.7MEquity
Loan mix
84%RE $13.8M15%C&I $2.5M1%Consumer $0.1MQ2 2001Q2 2002
Deposit mix
87%Interest-bearing $43.3M13%Noninterest $6.6MQ2 2001Q2 2002

NIM

6.90%Q1 ’016.64%Q2 ’015.67%Q2 ’02-6%+10%

Non-interest income vs. expense

1.98%Q1 ’011.93%Q2 ’012.26%Q2 ’02+2%+23%

Executive Summary

  • Earnings: ROA of 0.83%, down 15 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
  • Funding: loans stand at 51.39% of deposits as of Q2 2002.

Financial Results

Return on Assets (YTD, annualized)

0.83%-15 bps YoY

Net Interest Margin (YTD, annualized)

3.25%+28 bps YoY

Efficiency Ratio (YTD, annualized)

62.81%+514 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets0.99%1.01%0.97%1.14%0.83%-15 bps
Return on Equityn/an/an/a13.29%9.73%n/a
Net Interest Margin2.96%3.02%3.07%3.38%3.25%+28 bps
Efficiency Ratio57.67%56.40%59.15%54.81%62.81%+514 bps
Non-Interest Burden1.55%1.55%1.68%1.67%1.91%+36 bps
Growth
Asset Growth (YoY)9.14%7.08%3.10%0.41%0.42%-871 bps
Loan Growth (YoY)9.46%18.07%15.72%8.72%-1.31%-1,077 bps
Deposit Growth (YoY)7.77%5.33%2.23%-0.28%-0.08%-785 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%0.01%0.02%0.02%0.09%+10 bps
Allowance / Loans1.13%1.09%1.16%1.25%1.29%+16 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 Capital15.88%15.71%16.11%16.83%16.80%+92 bps
Equity / Assets7.91%8.55%8.53%8.62%8.49%+58 bps
Liquidity & Funding
Loans / Deposits52.03%57.86%56.60%55.03%51.39%-64 bps
Liquid Assets / Assets1.97%2.76%7.07%5.88%8.19%+622 bps
CRE / Total Capitaln/an/an/an/an/an/an/a