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Heights Bank, The

Peoria Heights, IL · Cert 20930

FDIC

Q4 2010

$39.2MAssets
$33.9MLoans
$31.0MDeposits
$4.2MEquity
Deposit mix
87%Interest-bearing $26.8M13%Noninterest $4.1MQ4 2009Q4 2010

NIM

6.23%Q4 ’085.61%Q4 ’095.58%Q4 ’10+19%+10%

Non-interest income vs. expense

2.21%Q4 ’082.54%Q4 ’092.33%Q4 ’10+14%-7%

Executive Summary

  • Earnings: ROA of 2.00%, up 39 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 109.50% of deposits as of Q4 2010.

Financial Results

Return on Assets (YTD, annualized)

2.00%+39 bps YoY

Net Interest Margin (YTD, annualized)

4.06%+36 bps YoY

Efficiency Ratio (YTD, annualized)

52.32%-889 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q2 2010Q3 2010Q4 2010YoY ΔTrend
Earnings
Return on Assets1.61%1.44%1.59%1.82%2.00%+39 bps
Return on Equity16.84%15.21%16.49%18.43%19.86%+302 bps
Net Interest Margin3.70%3.35%3.51%3.76%4.06%+36 bps
Efficiency Ratio61.21%58.46%57.49%54.13%52.32%-889 bps
Non-Interest Burden2.09%1.83%1.88%1.87%1.94%-15 bps
Growth
Asset Growth (YoY)3.32%7.06%0.01%-4.74%-10.81%-1,413 bps
Loan Growth (YoY)-5.88%0.11%-2.25%-1.36%6.87%+1,275 bps
Deposit Growth (YoY)0.79%5.36%-0.57%-3.81%-10.98%-1,177 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%-0.01%-0.01%0.00%0.00%-2 bps
Allowance / Loans2.22%2.17%2.15%2.14%2.08%-14 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 Capital19.35%19.95%19.87%20.75%19.67%+32 bps
Equity / Assets9.38%9.61%9.91%10.77%10.73%+135 bps
Liquidity & Funding
Loans / Deposits91.21%94.53%99.84%103.96%109.50%+1,829 bps
Liquid Assets / Assets21.81%21.45%19.80%15.18%11.20%-1,061 bps
CRE / Total Capitaln/an/an/an/an/an/an/a