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Anchor Bank

Third Lake, IL · Cert 33467

FDIC

Q3 2003

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 2003, the quarter ended September 30, 2003, 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 2026-10-10

Anchor Bank

Third Lake, IL · Cert 33467

FDIC

Q3 2003

$93.6MAssets
$73.4MLoans
$78.1MDeposits
$9.4MEquity
Loan mix
66%RE $28.2M33%C&I $14.2M0%Consumer $0.1MQ3 2002Q3 2003
Deposit mix
76%Interest-bearing $59.7M24%Noninterest $18.4MQ3 2002Q3 2003

NIM

7.50%Q3 ’016.67%Q3 ’026.34%Q3 ’03-2%+8%

Non-interest income vs. expense

3.36%Q3 ’013.01%Q3 ’022.67%Q3 ’03-6%-12%

Executive Summary

  • Earnings: ROA of 1.11%, up 48 bps year over year; NIM at 4.05%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
  • Funding: loans stand at 94.06% of deposits as of Q3 2003.

Financial Results

Return on Assets (YTD, annualized)

1.11%+48 bps YoY

Net Interest Margin (YTD, annualized)

4.05%+29 bps YoY

Efficiency Ratio (YTD, annualized)

58.97%-1,160 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2002Q4 2002Q1 2003Q2 2003Q3 2003YoY ΔTrend
Earnings
Return on Assets0.64%0.72%1.07%1.15%1.11%+48 bps
Return on Equity6.22%6.97%10.14%11.04%10.79%+457 bps
Net Interest Margin3.76%3.98%4.60%4.60%4.05%+29 bps
Efficiency Ratio70.56%68.92%61.01%58.79%58.97%-1,160 bps
Non-Interest Burden2.65%2.73%2.75%2.63%2.33%-32 bps
Growth
Asset Growth (YoY)6.85%5.41%8.42%14.03%21.95%+1,510 bps
Loan Growth (YoY)10.18%17.44%16.25%16.37%17.77%+760 bps
Deposit Growth (YoY)-1.74%-0.42%3.65%10.72%25.67%+2,741 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.08%0.08%-0.01%0.13%0.09%+1 bps
Allowance / Loans0.78%0.81%0.81%0.73%0.77%-1 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 Capital10.55%10.60%10.24%10.26%10.51%-4 bps
Equity / Assets10.74%10.65%10.38%10.32%10.04%-70 bps
Liquidity & Funding
Loans / Deposits100.37%98.31%98.92%98.85%94.06%-631 bps
Liquid Assets / Assets0.54%0.10%0.54%4.23%4.22%+368 bps
CRE / Total Capitaln/an/an/an/an/an/an/a