PackageTrendsPeer
Letter portraitLegal landscape

Hometown National Bank

New Albany, IN · Cert 34236

FDIC

Q4 2002

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: Q4 2002, the quarter ended December 31, 2002, 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

Hometown National Bank

New Albany, IN · Cert 34236

FDIC

Q4 2002

$86.2MAssets
$62.3MLoans
$78.5MDeposits
$7.4MEquity
Loan mix
37%RE $18.0M63%C&I $30.9M0%Consumer $0.1MQ4 2001Q4 2002
Deposit mix
95%Interest-bearing $74.4M5%Noninterest $4.1MQ4 2001Q4 2002

NIM

7.47%Q1 ’016.79%Q4 ’015.89%Q4 ’02+4%+19%

Non-interest income vs. expense

2.33%Q1 ’012.21%Q4 ’012.09%Q4 ’02+6%+6%

Executive Summary

  • Earnings: ROA of 0.47%, down 10 bps year over year; NIM at 2.94%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.66%.
  • Funding: loans stand at 79.44% of deposits as of Q4 2002.

Financial Results

Return on Assets (YTD, annualized)

0.47%-10 bps YoY

Net Interest Margin (YTD, annualized)

2.94%+47 bps YoY

Efficiency Ratio (YTD, annualized)

60.20%-856 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2001Q1 2002Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets0.57%0.49%0.57%0.55%0.47%-10 bps
Return on Equityn/a6.00%6.90%6.55%5.54%n/a
Net Interest Margin2.47%2.46%2.88%3.05%2.94%+47 bps
Efficiency Ratio68.76%67.99%62.19%58.58%60.20%-856 bps
Non-Interest Burden1.46%1.55%1.62%1.57%1.56%+9 bps
Growth
Asset Growth (YoY)1.85%6.47%-1.50%4.16%-1.75%-360 bps
Loan Growth (YoY)14.71%14.62%5.91%8.53%9.65%-506 bps
Deposit Growth (YoY)0.37%5.32%-3.45%2.69%-2.29%-266 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.11%0.04%0.14%0.51%0.66%+55 bps
Allowance / Loans0.81%0.82%0.90%0.84%0.95%+14 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 Capital12.18%12.12%12.60%12.24%12.64%+46 bps
Equity / Assets8.00%8.17%8.82%8.72%8.63%+63 bps
Liquidity & Funding
Loans / Deposits70.79%73.48%79.28%84.17%79.44%+865 bps
Liquid Assets / Assets4.67%9.19%8.19%2.95%1.68%-298 bps
CRE / Total Capitaln/an/an/an/an/an/an/a