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Howard Savings Bank

Glenview, IL · Cert 30919

FDIC

Q3 2004

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: Q3 2004, the quarter ended September 30, 2004, 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

Howard Savings Bank

Glenview, IL · Cert 30919

FDIC

Q3 2004

$9.4MAssets
$7.9MLoans
n/aDeposits
$9.2MEquity
Deposit mix
99%Interest-bearing $01%Noninterest $0Q3 2003Q3 2004

NIM

5.51%Q3 ’024.89%Q3 ’0314.48%Q3 ’04+18%+676%

Non-interest income vs. expense

2.63%Q3 ’023.22%Q3 ’0311.49%Q3 ’04+17%+86%

Executive Summary

  • Earnings: ROA of -2.16%, down 57 bps year over year; NIM at 11.62%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.

Financial Results

Return on Assets (YTD, annualized)

-2.16%-57 bps YoY

Net Interest Margin (YTD, annualized)

11.62%+1,012 bps YoY

Efficiency Ratio (YTD, annualized)

65.41%-12,028 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets-1.59%-0.56%-1.51%-11.26%-2.16%-57 bps
Return on Equity-7.09%-2.46%-6.06%-46.27%-7.32%-23 bps
Net Interest Margin1.50%2.27%2.27%2.35%11.62%+1,012 bps
Efficiency Ratio185.69%104.38%154.21%156.72%65.41%-12,028 bps
Non-Interest Burden2.98%2.43%3.77%3.99%5.54%+255 bps
Growth
Asset Growth (YoY)-14.47%-12.58%-15.71%-24.40%-78.50%-6,403 bps
Loan Growth (YoY)-1.77%-19.09%-24.83%-16.19%-70.50%-6,874 bps
Deposit Growth (YoY)-16.48%-14.92%-19.72%-26.55%-100.00%-8,352 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.50%0.41%0.00%0.00%0.00%-50 bps
Allowance / Loans2.26%2.94%3.07%11.44%34.23%+3,197 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 Capital36.21%41.94%43.26%37.59%133.29%+9,708 bps
Equity / Assets24.25%24.68%25.36%22.81%97.48%+7,323 bps
Liquidity & Funding
Loans / Deposits85.27%76.03%76.90%85.14%n/an/a
Liquid Assets / Assets0.26%0.26%0.27%0.30%3.62%+336 bps
CRE / Total Capitaln/an/an/an/an/an/an/a