Hebron, IL · Cert 9637
FDIC
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Hebron, IL · Cert 9637
FDIC
Q2 2001
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 1.09% | 1.30% | 1.16% | 1.20% | 1.12% | 0.92% | 0.80% | -36 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 3.40% | 3.11% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 70.85% | 76.65% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | n/a | 2.30% | 2.28% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.31% | 12.01% | 9.38% | 9.33% | 2.17% | -1.22% | 3.60% | 6.79% | -254 bps | |
| Loan Growth (YoY) | 14.90% | 14.68% | 16.55% | 17.79% | 6.92% | 3.28% | 0.27% | -4.96% | -2,275 bps | |
| Deposit Growth (YoY) | 14.34% | 12.73% | 9.70% | 9.68% | 1.36% | -2.33% | 3.16% | 6.72% | -296 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | 0.02% | 0.01% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | 0.97% | 0.98% | n/a | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 21.00% | 20.53% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 11.91% | 11.30% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.12% | 71.14% | 75.20% | 75.69% | 76.07% | 75.23% | 73.09% | 67.40% | -829 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 19.77% | 22.46% | +2,246 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |