Morton Grove, IL · Cert 17064
FDIC
Q3 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2001, the quarter ended September 30, 2001, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Morton Grove, IL · Cert 17064
FDIC
Q3 2001
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
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 | 1.36% | 1.18% | 1.22% | 1.22% | 1.21% | 1.16% | 1.23% | 1.34% | +12 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 | 2.97% | 2.98% | 3.39% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 50.59% | 49.43% | 46.19% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | 1.34% | 1.29% | 1.33% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.02% | 0.25% | -0.45% | 5.54% | 8.25% | 8.09% | 7.69% | 5.74% | +20 bps | |
| Loan Growth (YoY) | 4.93% | 2.08% | 2.54% | -1.93% | 1.90% | 11.03% | 14.07% | 25.20% | +2,713 bps | |
| Deposit Growth (YoY) | -3.27% | -1.00% | -3.86% | 7.17% | 6.62% | 7.15% | 8.51% | -0.91% | -808 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 | 0.00% | -0.26% | -0.06% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | 1.16% | 1.23% | 1.06% | 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 | 12.20% | 12.54% | 11.87% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | 7.87% | 8.13% | 8.35% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.64% | 59.49% | 61.73% | 56.53% | 57.95% | 61.65% | 64.89% | 71.42% | +1,490 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.05% | 0.05% | 0.05% | +5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |