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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

4.07%Q3 ’015.33%Q3 ’02+6%

Non-interest income vs. expense

10.41%Q3 ’013.92%Q3 ’02-62%

Executive Summary

  • Earnings: ROA of -1.18%, up 598 bps year over year; NIM at 2.73%.
  • 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 (quarter, annualized)

-1.18%+598 bps YoY

Net Interest Margin (quarter, annualized)

2.73%+15 bps YoY

Efficiency Ratio (quarter, annualized)

141.83%-24,663 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2001Q4 2001Q1 2002Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets-7.16%-4.56%-2.36%-0.49%-1.18%+598 bps
Return on Equity-15.28%-14.46%-8.84%-2.14%-6.30%+898 bps
Net Interest Margin2.58%3.19%3.09%3.36%2.73%+15 bps
Efficiency Ratio388%178.26%140.65%114.86%141.83%-24,663 bps
Non-Interest Burden10.31%5.71%4.37%3.88%3.88%-642 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