Hopedale, IL · Cert 19097
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.
Hopedale, IL · Cert 19097
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 | 0.30% | 0.58% | 0.55% | 0.51% | 0.17% | 0.20% | 0.10% | 0.13% | -38 bps | |
| Return on Equity | 3.63% | 6.82% | 6.36% | 5.85% | 2.02% | 2.36% | 1.25% | 1.54% | -431 bps | |
| Net Interest Margin | 3.47% | 3.62% | 3.66% | 3.52% | 3.20% | 2.82% | 2.90% | 2.93% | -59 bps | |
| Efficiency Ratio | 89.13% | 82.67% | 82.37% | 83.70% | 92.42% | 91.41% | 94.15% | 93.24% | +954 bps | |
| Non-Interest Burden | 3.02% | 2.88% | 2.90% | 2.85% | 2.90% | 2.52% | 2.69% | 2.69% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.35% | 0.01% | -2.04% | 2.22% | 10.59% | 11.58% | 10.57% | -3.43% | -566 bps | |
| Loan Growth (YoY) | -21.28% | -12.09% | -9.43% | -4.96% | -0.19% | -12.44% | -18.44% | -24.89% | -1,993 bps | |
| Deposit Growth (YoY) | 10.22% | -0.50% | -2.60% | 1.89% | 10.77% | 12.63% | 12.61% | -2.73% | -462 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 | 0.00% | 0.00% | 0.00% | 0.21% | 0.00% | 0.32% | 0.19% | 0.36% | +15 bps | |
| Allowance / Loans | 1.27% | 1.26% | 1.29% | 1.20% | 1.27% | 1.28% | 1.44% | 1.60% | +40 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 | 21.41% | 21.89% | 22.83% | 23.36% | 22.40% | 24.32% | 25.81% | 31.81% | +845 bps | |
| Equity / Assets | 8.01% | 8.84% | 9.42% | 8.91% | 7.86% | 8.17% | 8.22% | 8.74% | -17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 38.15% | 43.11% | 45.32% | 39.31% | 34.38% | 33.52% | 32.83% | 30.35% | -896 bps | |
| Liquid Assets / Assets | 0.26% | 0.27% | 0.28% | 0.26% | 0.23% | 0.24% | 0.25% | 0.28% | +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 |