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Community Bank of Hopedale

Hopedale, IL · Cert 19097

FDIC

Q4 2003

$13.0MAssets
$3.6MLoans
$11.8MDeposits
$1.1MEquity
Deposit mix
85%Interest-bearing $10.0M15%Noninterest $1.7MQ4 2002Q4 2003

NIM

5.80%Q4 ’015.01%Q4 ’023.88%Q4 ’03-3%-19%

Non-interest income vs. expense

3.10%Q4 ’013.50%Q4 ’022.93%Q4 ’03+12%-17%

Executive Summary

  • Earnings: ROA of 0.21%, down 19 bps year over year; NIM at 2.72%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.78%.
  • Funding: loans stand at 30.35% of deposits as of Q4 2003.

Financial Results

Return on Assets (quarter, annualized)

0.21%-19 bps YoY

Net Interest Margin (quarter, annualized)

2.72%-66 bps YoY

Efficiency Ratio (quarter, annualized)

90.18%+230 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003YoY ΔTrend
Earnings
Return on Assets0.40%0.17%0.22%-0.08%0.21%-19 bps
Return on Equity4.36%2.02%2.72%-1.03%2.46%-191 bps
Net Interest Margin3.38%3.20%2.72%2.78%2.72%-66 bps
Efficiency Ratio87.88%92.42%90.32%100.00%90.18%+230 bps
Non-Interest Burden2.90%2.90%2.40%2.78%2.41%-49 bps
Growth
Asset Growth (YoY)2.22%10.59%11.58%10.57%-3.43%-566 bps
Loan Growth (YoY)-4.96%-0.19%-12.44%-18.44%-24.89%-1,993 bps
Deposit Growth (YoY)1.89%10.77%12.63%12.61%-2.73%-462 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.84%0.00%0.64%-0.10%0.78%-6 bps
Allowance / Loans1.20%1.27%1.28%1.44%1.60%+40 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 Capital23.36%22.40%24.32%25.81%31.81%+845 bps
Equity / Assets8.91%7.86%8.17%8.22%8.74%-17 bps
Liquidity & Funding
Loans / Deposits39.31%34.38%33.52%32.83%30.35%-896 bps
Liquid Assets / Assets0.26%0.23%0.24%0.25%0.28%+2 bps
CRE / Total Capitaln/an/an/an/an/an/an/a