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THE LEADERS BANK
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YEAR END 2008
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|
FINANCIAL HIGHLIGHTS
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| (unaudited) |
|
|
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| STATEMENT OF CONDITION ($000) |
|
08/07
|
|
|
|
Dec 31
|
Dec 31
|
%
|
|
|
|
2008
|
2007
|
Change
|
|
|
|
|
|
|
| Total Assets |
|
646,664 |
461,553 |
40% |
| Loans, net |
|
584,703 |
390,261 |
50% |
| Portfolio Funds |
|
46,146 |
57,068 |
-19% |
| Deposits |
|
|
579,199 |
415,766 |
39% |
| Other Borrowings |
|
9,856 |
482 |
1945% |
| Subordinated Debt |
|
7,500 |
- |
100% |
| Stockholders' equity |
|
40,611 |
40,611 |
0% |
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| STATEMENT OF INCOME ($000) |
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|
Year Ended
|
08/07
|
|
|
|
Dec 31
|
Dec 31
|
%
|
|
|
|
2008
|
2007
|
Change
|
|
|
|
|
|
|
| Interest income…………………. |
29,605 |
29,751 |
0% |
| Interest expense……………….. |
18,129 |
16,700 |
9% |
| Net interest income………….. |
11,476 |
13,050 |
-12% |
| Provision for loan losses………. |
3,118 |
465 |
571% |
| Net interest income after |
|
|
|
| provision for loan losses……. |
8,358 |
12,586 |
-34% |
| Other operating income………… |
1,137 |
761 |
49% |
| Securities gain(loss)… ……….. |
- |
- |
|
| Other operating expense………. |
12,472 |
9,878 |
26% |
| Income before income taxes…. |
(2,977) |
3,469 |
-186% |
| Provision for income taxes…….. |
(1,294) |
1,119 |
-216% |
| Net income…………………….. |
(1,683) |
2,350 |
-172% |
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| SELECTED FINANCIAL DATA |
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| Selected Financial Ratios |
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| Return on Assets |
|
-0.30% |
0.58% |
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| Return on Equity |
|
-3.70% |
6.69% |
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| Efficiency Ratio |
|
98.88% |
71.50% |
|
| Leverage Capital |
|
7.96% |
9.23% |
|
| Charge-offs/(Recoveries) |
0.11% |
-0.08% |
|
| Allowance/Total Loans |
1.24% |
1.23% |
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| Nonperforming Loans/Total Assets |
1.95% |
0.11% |
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By clicking on the link below, you will be directed to the FDIC home page. You will be leaving Leaders Banks' website. Leaders Bank is not responsible for the content of this site. Please input 35422 in the FDIC Certificate # field and click find to receive additional information.
Please click here to be directed to the FDIC web site.
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2001 York Road, Suite 150
Oak Brook, IL 60523
Phone: 630-572-5323
Fax: 630-572-4979
Hours
Monday - Friday
8:30 a.m. to 4:30 p.m.
*******************************
Effective September 1st, our
Hoffman Estates location will
close from 11 am to Noon on
a daily basis.
*******************************
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