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Wells Fargo Bank Illinois, National Association

Galesburg, IL · Cert 3667

FDIC

Q4 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: Q4 2003, the quarter ended December 31, 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

Wells Fargo Bank Illinois, National Association

Galesburg, IL · Cert 3667

FDIC

Q4 2003

$478.2MAssets
$181.7MLoans
$369.5MDeposits
$82.5MEquity
Loan mix
65%RE $78.8M33%C&I $40.1M2%Consumer $1.8MQ4 2002Q4 2003
Deposit mix
84%Interest-bearing $309.5M16%Noninterest $60.0MQ4 2002Q4 2003

NIM

6.71%Q4 ’014.96%Q4 ’023.67%Q4 ’03-12%-21%

Non-interest income vs. expense

3.16%Q4 ’013.15%Q4 ’023.41%Q4 ’03+18%+6%

Executive Summary

  • Earnings: ROA of 0.62%, down 81 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.85%.
  • Funding: loans stand at 49.18% of deposits as of Q4 2003.

Financial Results

Return on Assets (YTD, annualized)

0.62%-81 bps YoY

Net Interest Margin (YTD, annualized)

2.78%-74 bps YoY

Efficiency Ratio (YTD, annualized)

85.34%+1,701 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003YoY ΔTrend
Earnings
Return on Assets1.42%0.59%0.94%0.70%0.62%-81 bps
Return on Equity9.07%3.23%5.18%3.94%3.48%-559 bps
Net Interest Margin3.53%3.27%3.11%2.91%2.78%-74 bps
Efficiency Ratio68.34%78.33%82.94%85.29%85.34%+1,701 bps
Non-Interest Burden2.09%2.31%2.38%2.32%2.21%+12 bps
Growth
Asset Growth (YoY)34.10%37.09%45.05%-4.83%-1.61%-3,570 bps
Loan Growth (YoY)27.83%22.02%18.35%-9.65%-50.21%-7,803 bps
Deposit Growth (YoY)38.35%38.55%47.83%-8.05%-4.05%-4,240 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.07%0.12%-0.96%-0.61%-0.85%-79 bps
Allowance / Loans1.13%1.16%1.19%1.21%2.24%+112 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 Capital22.49%23.51%24.19%22.52%22.92%+44 bps
Equity / Assets18.11%18.37%17.76%17.04%17.26%-85 bps
Liquidity & Funding
Loans / Deposits94.76%95.01%87.40%89.85%49.18%-4,559 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a