PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Hebron State Bank

Hebron, IL · Cert 9637

FDIC

Q2 2001

$27.7MAssets
$16.4MLoans
$24.4MDeposits
$3.1MEquity
Deposit mix
88%Interest-bearing $21.3M12%Noninterest $3.0MQ2 2000Q2 2001

NIM

6.84%Q1 ’016.35%Q2 ’01-9%

Non-interest income vs. expense

2.68%Q1 ’012.70%Q2 ’01-1%

Executive Summary

  • Earnings: ROA of 0.80%, down 36 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 67.40% of deposits as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

0.80%-36 bps YoY

Net Interest Margin (YTD, annualized)

3.11%

Efficiency Ratio (YTD, annualized)

76.65%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets1.16%1.20%1.12%0.92%0.80%-36 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a3.40%3.11%n/a
Efficiency Ration/an/an/a70.85%76.65%n/a
Non-Interest Burdenn/an/an/a2.30%2.28%n/a
Growth
Asset Growth (YoY)9.33%2.17%-1.22%3.60%6.79%-254 bps
Loan Growth (YoY)17.79%6.92%3.28%0.27%-4.96%-2,275 bps
Deposit Growth (YoY)9.68%1.36%-2.33%3.16%6.72%-296 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.02%0.01%n/a
Allowance / Loansn/an/an/a0.97%0.98%n/a
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 Capitaln/an/an/a21.00%20.53%n/a
Equity / Assetsn/an/an/a11.91%11.30%n/a
Liquidity & Funding
Loans / Deposits75.69%76.07%75.23%73.09%67.40%-829 bps
Liquid Assets / Assets0.00%0.00%0.00%19.77%22.46%+2,246 bps
CRE / Total Capitaln/an/an/an/an/an/an/a