Union Bank of Illinois

Swansea, IL · Cert 1038

FDIC

Q3 2001

$184.8MAssets

$137.6MLoans

$156.4MDeposits

$15.8MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of 0.74%, up 25 bps year over year; NIM at 3.57%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.48%.
Funding: loans stand at 88.01% of deposits as of Q3 2001.

Return on Assets (quarter, annualized)

0.74%+25 bps YoY

Net Interest Margin (quarter, annualized)

3.57%

Efficiency Ratio (quarter, annualized)

66.38%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	YoY Δ	Trend
Earnings
Return on Assets	-0.10%	0.58%	0.40%	0.49%	0.55%	0.79%	0.71%	0.74%	+25 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	8.58%	8.71%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	3.46%	3.43%	3.57%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	69.76%	71.18%	66.38%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	2.18%	2.24%	2.11%	n/a
Growth
Asset Growth (YoY)	32.93%	16.12%	10.11%	7.62%	5.40%	6.60%	-1.11%	-2.09%	-971 bps
Loan Growth (YoY)	25.07%	8.79%	4.00%	-1.02%	7.48%	2.23%	1.54%	2.26%	+328 bps
Deposit Growth (YoY)	38.79%	15.00%	9.30%	8.47%	4.50%	4.77%	-1.80%	-5.01%	-1,348 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	0.53%	0.55%	0.48%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	1.15%	1.09%	1.07%	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	11.43%	11.34%	11.43%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	8.07%	8.39%	8.56%	n/a
Liquidity & Funding
Loans / Deposits	82.85%	84.36%	83.48%	81.75%	85.22%	82.32%	86.32%	88.01%	+626 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.02%	0.01%	0.01%	+1 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a