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Cerro Gordo Building and Loan, S.B.

Cerro Gordo, IL · Cert 30210

FDIC

Q3 2002

$9.8MAssets
$8.3MLoans
$5.9MDeposits
$1.5MEquity
Deposit mix
100%Interest-bearing $5.9M0%Noninterest $0.0MQ3 2001Q3 2002

NIM

7.95%Q1 ’017.94%Q3 ’017.22%Q3 ’02+2%-6%

Non-interest income vs. expense

4.80%Q1 ’012.48%Q3 ’012.07%Q3 ’02-49%-17%

Executive Summary

  • Earnings: ROA of 0.86%, up 15 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 140.63% of deposits as of Q3 2002.

Financial Results

Return on Assets (quarter, annualized)

0.86%+15 bps YoY

Net Interest Margin (quarter, annualized)

3.15%-21 bps YoY

Efficiency Ratio (quarter, annualized)

64.10%-785 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2001Q4 2001Q1 2002Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets0.72%0.95%0.00%0.13%0.86%+15 bps
Return on Equity4.84%6.46%0.00%0.83%5.80%+96 bps
Net Interest Margin3.36%3.18%3.26%3.15%3.15%-21 bps
Efficiency Ratio71.95%64.29%79.45%92.73%64.10%-785 bps
Non-Interest Burden2.40%1.94%2.63%2.98%1.99%-40 bps
Growth
Asset Growth (YoY)22.39%22.11%17.12%4.79%0.84%-2,154 bps
Loan Growth (YoY)20.68%21.99%14.05%5.17%0.62%-2,006 bps
Deposit Growth (YoY)6.78%7.00%0.33%1.43%0.79%-599 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.40%0.39%0.42%0.39%0.40%0 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 Capital28.10%27.44%28.54%28.81%29.54%+143 bps
Equity / Assets14.52%14.93%15.16%14.99%14.84%+32 bps
Liquidity & Funding
Loans / Deposits140.86%147.35%143.06%147.44%140.63%-23 bps
Liquid Assets / Assets10.14%6.24%10.08%8.43%11.96%+182 bps
CRE / Total Capitaln/an/an/an/an/an/an/a