PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Union Bank of Illinois

Swansea, IL · Cert 1038

FDIC

Q3 2001

$184.8MAssets
$137.6MLoans
$156.4MDeposits
$15.8MEquity
Loan mix
41%RE $26.0M58%C&I $37.2M1%Consumer $0.7MQ3 2000Q3 2001
Deposit mix
86%Interest-bearing $134.3M14%Noninterest $22.0MQ3 2000Q3 2001

NIM

7.77%Q1 ’017.72%Q2 ’017.49%Q3 ’01+1%0%

Non-interest income vs. expense

2.95%Q1 ’012.98%Q2 ’012.91%Q3 ’01+2%-3%

Executive Summary

  • Earnings: ROA of 0.75%, up 26 bps year over year; NIM at 3.48%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.51%.
  • Funding: loans stand at 88.01% of deposits as of Q3 2001.

Financial Results

Return on Assets (YTD, annualized)

0.75%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.48%

Efficiency Ratio (YTD, annualized)

69.06%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets0.49%0.55%0.79%0.75%0.75%+26 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a3.46%3.49%3.48%n/a
Efficiency Ration/an/a69.76%70.46%69.06%n/a
Non-Interest Burdenn/an/a2.18%2.24%2.17%n/a
Growth
Asset Growth (YoY)7.62%5.40%6.60%-1.11%-2.09%-971 bps
Loan Growth (YoY)-1.02%7.48%2.23%1.54%2.26%+328 bps
Deposit Growth (YoY)8.47%4.50%4.77%-1.80%-5.01%-1,348 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.53%0.53%0.51%n/a
Allowance / Loansn/an/a1.15%1.09%1.07%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/a11.43%11.34%11.43%n/a
Equity / Assetsn/an/a8.07%8.39%8.56%n/a
Liquidity & Funding
Loans / Deposits81.75%85.22%82.32%86.32%88.01%+626 bps
Liquid Assets / Assets0.00%0.00%0.02%0.01%0.01%+1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a