Manufacturers Bank

Chicago, IL · Cert 16230

FDIC

Q3 2001

$1.7BAssets

$1.3BLoans

$1.2BDeposits

$151.5MEquity

Loan mix

Deposit mix

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.

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.

Metric	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	YoY Δ	Trend
Earnings
Return on Assets	0.96%	0.96%	0.97%	0.97%	0.98%	0.95%	0.95%	0.98%	+2 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	3.18%	2.97%	3.06%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	67.06%	66.88%	66.24%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	1.56%	1.43%	1.46%	n/a
Growth
Asset Growth (YoY)	50.12%	1.11%	15.78%	19.27%	11.37%	10.37%	19.49%	13.77%	-550 bps
Loan Growth (YoY)	64.10%	17.21%	18.33%	23.77%	17.11%	22.67%	31.04%	28.87%	+510 bps
Deposit Growth (YoY)	45.01%	-1.24%	4.16%	7.79%	14.11%	11.30%	32.47%	22.97%	+1,518 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	0.16%	0.17%	0.42%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	1.43%	1.36%	1.13%	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	10.41%	11.82%	11.48%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	8.78%	8.94%	9.14%	n/a
Liquidity & Funding
Loans / Deposits	95.04%	95.72%	98.49%	100.47%	97.54%	105.50%	97.43%	105.29%	+482 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.16%	0.25%	0.15%	+15 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a