PackageTrendsPeer
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Kaneland Community Bank

Elburn, IL · Cert 35532

FDIC

Q3 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: Q3 2002, the quarter ended September 30, 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

Kaneland Community Bank

Elburn, IL · Cert 35532

FDIC

Q3 2002

$23.3MAssets
$15.3MLoans
$19.2MDeposits
$4.0MEquity
Loan mix
11%RE $0.5M89%C&I $4.5M0%Consumer $0.0MQ3 2001Q3 2002
Deposit mix
96%Interest-bearing $18.4M4%Noninterest $0.8MQ3 2001Q3 2002

NIM

3.84%Q2 ’012.03%Q3 ’014.49%Q3 ’02-51%+87%

Non-interest income vs. expense

47.32%Q2 ’0111.73%Q3 ’013.37%Q3 ’02-75%-72%

Executive Summary

  • Earnings: ROA of -1.28%, up 585 bps year over year; NIM at 2.50%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 79.72% of deposits as of Q3 2002.

Financial Results

Return on Assets (YTD, annualized)

-1.28%+585 bps YoY

Net Interest Margin (YTD, annualized)

2.50%+116 bps YoY

Efficiency Ratio (YTD, annualized)

132.08%-72,167 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2001Q4 2001Q1 2002Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets-7.13%-5.14%-2.36%-1.34%-1.28%+585 bps
Return on Equityn/an/a-8.84%-5.50%-5.77%n/a
Net Interest Margin1.34%1.34%3.09%3.08%2.50%+116 bps
Efficiency Ratio854%455%140.65%126.57%132.08%-72,167 bps
Non-Interest Burden11.70%6.20%4.37%3.92%3.32%-838 bps
Growth
Asset Growth (YoY)n/an/an/a181.16%96.26%n/a
Loan Growth (YoY)n/an/an/a3650%160.07%n/a
Deposit Growth (YoY)n/an/an/a578%156.96%n/a
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.53%0.87%1.13%1.02%0.90%+38 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 Capital58.68%34.36%31.21%27.38%23.79%-3,489 bps
Equity / Assets36.80%27.42%26.07%20.47%17.32%-1,948 bps
Liquidity & Funding
Loans / Deposits78.77%99.36%105.21%85.39%79.72%+95 bps
Liquid Assets / Assets1.71%1.88%0.39%5.00%1.37%-34 bps
CRE / Total Capitaln/an/an/an/an/an/an/a