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Hawthorn Bank

Mundelein, IL · Cert 33566

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 2026-10-11

Hawthorn Bank

Mundelein, IL · Cert 33566

FDIC

Q3 2003

$41.4MAssets
$17.4MLoans
$37.1MDeposits
$3.8MEquity
Deposit mix
86%Interest-bearing $32.0M14%Noninterest $5.1MQ3 2002Q3 2003

NIM

7.26%Q3 ’015.30%Q3 ’024.50%Q3 ’03+9%-10%

Non-interest income vs. expense

3.30%Q3 ’014.04%Q3 ’024.19%Q3 ’03+25%+3%

Executive Summary

  • Earnings: ROA of -0.46%, down 40 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.05%.
  • Funding: loans stand at 46.82% of deposits as of Q3 2003.

Financial Results

Return on Assets (YTD, annualized)

-0.46%-40 bps YoY

Net Interest Margin (YTD, annualized)

3.16%-36 bps YoY

Efficiency Ratio (YTD, annualized)

119.14%+1,360 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 Assets-0.06%-0.02%-0.90%-0.74%-0.46%-40 bps
Return on Equity-0.71%-0.20%-9.19%-8.02%-4.98%-428 bps
Net Interest Margin3.52%3.54%3.10%3.30%3.16%-36 bps
Efficiency Ratio105.54%107.55%125.50%121.97%119.14%+1,360 bps
Non-Interest Burden3.73%3.83%3.97%4.10%3.83%+10 bps
Growth
Asset Growth (YoY)-16.10%-16.70%-13.33%-5.87%-13.35%+276 bps
Loan Growth (YoY)-24.69%-21.10%-19.51%-22.35%-31.56%-686 bps
Deposit Growth (YoY)-17.31%-18.39%-14.76%-6.21%-13.58%+374 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.14%0.07%0.28%0.09%0.05%-10 bps
Allowance / Loans1.43%1.61%1.62%1.79%1.86%+43 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 Capital15.91%17.22%17.31%17.85%19.32%+341 bps
Equity / Assets8.27%9.68%9.87%8.44%9.28%+101 bps
Liquidity & Funding
Loans / Deposits59.11%66.66%66.75%51.91%46.82%-1,230 bps
Liquid Assets / Assets0.03%0.07%0.05%0.02%6.09%+605 bps
CRE / Total Capitaln/an/an/an/an/an/an/a