PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Manufacturers Bank

Chicago, IL · Cert 16230

FDIC

Q3 2001

$1.7BAssets
$1.3BLoans
$1.2BDeposits
$151.5MEquity
Loan mix
37%RE $332.2M63%C&I $559.5M0%Consumer $0.7MQ3 2000Q3 2001
Deposit mix
95%Interest-bearing $1.2B5%Noninterest $0.1BQ3 2000Q3 2001

NIM

7.41%Q1 ’016.82%Q2 ’016.70%Q3 ’01-7%+3%

Non-interest income vs. expense

3.30%Q1 ’013.11%Q2 ’013.13%Q3 ’01-8%+2%

Executive Summary

  • Earnings: ROA of 0.98%, up 2 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.42%.
  • Funding: loans stand at 105.29% of deposits as of Q3 2001.

Financial Results

Return on Assets (YTD, annualized)

0.98%+2 bps YoY

Net Interest Margin (YTD, annualized)

3.06%

Efficiency Ratio (YTD, annualized)

66.24%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets0.97%0.98%0.95%0.95%0.98%+2 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a3.18%2.97%3.06%n/a
Efficiency Ration/an/a67.06%66.88%66.24%n/a
Non-Interest Burdenn/an/a1.56%1.43%1.46%n/a
Growth
Asset Growth (YoY)19.27%11.37%10.37%19.49%13.77%-550 bps
Loan Growth (YoY)23.77%17.11%22.67%31.04%28.87%+510 bps
Deposit Growth (YoY)7.79%14.11%11.30%32.47%22.97%+1,518 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.16%0.17%0.42%n/a
Allowance / Loansn/an/a1.43%1.36%1.13%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/a10.41%11.82%11.48%n/a
Equity / Assetsn/an/a8.78%8.94%9.14%n/a
Liquidity & Funding
Loans / Deposits100.47%97.54%105.50%97.43%105.29%+482 bps
Liquid Assets / Assets0.00%0.00%0.16%0.25%0.15%+15 bps
CRE / Total Capitaln/an/an/an/an/an/an/a