PackageTrendsPeer
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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

7.49%Q3 ’016.85%Q3 ’026.48%Q3 ’03-1%+3%

Non-interest income vs. expense

3.41%Q3 ’013.05%Q3 ’022.68%Q3 ’03-7%-14%

Executive Summary

  • Earnings: ROA of 1.04%, up 36 bps year over year; NIM at 4.02%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 94.06% of deposits as of Q3 2003.

Financial Results

Return on Assets (quarter, annualized)

1.04%+36 bps YoY

Net Interest Margin (quarter, annualized)

4.02%+12 bps YoY

Efficiency Ratio (quarter, annualized)

59.31%-975 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2002Q4 2002Q1 2003Q2 2003Q3 2003YoY ΔTrend
Earnings
Return on Assets0.69%0.97%1.07%1.24%1.04%+36 bps
Return on Equity6.52%9.07%10.14%11.97%10.26%+374 bps
Net Interest Margin3.90%4.56%4.60%4.74%4.02%+12 bps
Efficiency Ratio69.06%64.85%61.01%56.71%59.31%-975 bps
Non-Interest Burden2.68%2.90%2.75%2.61%2.32%-36 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 / Loans0.10%0.08%-0.01%0.28%0.01%-9 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