PackageTrendsPeer
Letter portraitLegal landscape

Harvard Savings Bank

Harvard, IL · Cert 28938

FDIC · 3 branches

Q2 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2016, the quarter ended June 30, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Harvard Savings Bank

Harvard, IL · Cert 28938

FDIC · 3 branches

Q2 2016

$141.6MAssets
$102.0MLoans
$118.8MDeposits
$14.0MEquity
Loan mix
84%RE $56.9M10%C&I $6.7M6%Consumer $4.4MQ2 2015Q2 2016
Deposit mix
94%Interest-bearing $111.7M6%Noninterest $7.1MQ2 2015Q2 2016

NIM

3.97%Q2 ’143.73%Q2 ’153.73%Q2 ’16-4%+3%

Non-interest income vs. expense

2.48%Q2 ’143.20%Q2 ’152.85%Q2 ’16+35%-4%

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2016 SOD (annual) · 0.0% share · #143 of 208 inst. · $0.1B of $391.1B

1.4% McHenry
2.5% Grundy

Executive Summary

  • Earnings: ROA of 0.82%, down 108 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.26%.
  • Capital: tier 1 leverage ratio of 9.82%, up 131 bps from a year ago.
  • Funding: loans stand at 85.84% of deposits as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

0.82%-108 bps YoY

Net Interest Margin (YTD, annualized)

3.12%+9 bps YoY

Efficiency Ratio (YTD, annualized)

85.92%-670 bps YoY

Tier 1 Leverage Ratio

9.82%+131 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets1.91%1.78%0.81%0.96%0.82%-108 bps
Return on Equity24.47%21.52%9.59%10.21%8.56%-1,591 bps
Net Interest Margin3.03%3.16%3.21%3.06%3.12%+9 bps
Efficiency Ratio92.61%90.80%92.12%82.78%85.92%-670 bps
Non-Interest Burden2.78%2.83%2.92%2.49%2.65%-12 bps
Growth
Asset Growth (YoY)-8.46%-15.59%-13.04%-12.02%-9.38%-92 bps
Loan Growth (YoY)-5.45%-28.01%-15.29%-16.23%-10.91%-546 bps
Deposit Growth (YoY)-0.11%-7.68%-14.27%-11.69%-11.58%-1,147 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.79%6.04%5.32%0.51%0.26%-353 bps
Allowance / Loans4.02%1.75%1.70%1.47%1.35%-266 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.51%9.41%9.31%9.51%9.82%+131 bps
Total Risk-Based Capital12.09%13.77%12.78%13.17%13.29%+120 bps
Equity / Assets8.64%9.87%9.28%9.62%9.85%+122 bps
Liquidity & Funding
Loans / Deposits85.20%81.62%85.29%83.76%85.84%+64 bps
Liquid Assets / Assets12.91%11.98%11.74%12.09%12.06%-85 bps
CRE / Total Capitaln/an/an/an/an/an/an/a