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First Commercial Bank

Chicago, IL · Cert 16488

FDIC

Q4 2010

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2010, the quarter ended December 31, 2010, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Commercial Bank

Chicago, IL · Cert 16488

FDIC

Q4 2010

$268.6MAssets
$228.7MLoans
$218.6MDeposits
$25.8MEquity
Deposit mix
82%Interest-bearing $180.0M18%Noninterest $38.6MQ4 2009Q4 2010

NIM

6.68%Q4 ’085.38%Q4 ’095.06%Q4 ’10-9%+11%

Non-interest income vs. expense

2.63%Q4 ’082.40%Q4 ’093.40%Q4 ’10-6%+108%

Executive Summary

  • Earnings: ROA of -5.10%, down 236 bps year over year; NIM at 4.17%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 8.94%.
  • Funding: loans stand at 104.62% of deposits as of Q4 2010.

Financial Results

Return on Assets (YTD, annualized)

-5.10%-236 bps YoY

Net Interest Margin (YTD, annualized)

4.17%+40 bps YoY

Efficiency Ratio (YTD, annualized)

113.12%+5,275 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q2 2010Q3 2010Q4 2010YoY ΔTrend
Earnings
Return on Assets-2.74%-7.99%-5.62%-5.26%-5.10%-236 bps
Return on Equity-31.65%-95.47%-66.38%-62.25%-58.96%-2,731 bps
Net Interest Margin3.77%3.66%3.92%3.98%4.17%+40 bps
Efficiency Ratio60.37%129.14%123.49%108.09%113.12%+5,275 bps
Non-Interest Burden2.19%4.81%4.84%4.20%4.56%+237 bps
Growth
Asset Growth (YoY)-2.90%-9.08%-8.60%-14.45%-14.80%-1,190 bps
Loan Growth (YoY)-2.96%-10.78%-14.60%-12.70%-15.81%-1,285 bps
Deposit Growth (YoY)-13.83%-11.85%-2.21%-6.09%-5.53%+830 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans6.97%1.09%6.33%8.29%8.94%+197 bps
Allowance / Loans1.18%4.19%2.84%2.58%2.23%+104 bps
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 Capital11.60%9.56%12.44%11.51%13.23%+164 bps
Equity / Assets9.18%7.53%8.66%8.37%9.61%+44 bps
Liquidity & Funding
Loans / Deposits117.39%111.97%101.33%102.67%104.62%-1,278 bps
Liquid Assets / Assets2.94%2.98%1.23%1.64%1.74%-120 bps
CRE / Total Capitaln/an/an/an/an/an/an/a