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First National Bank of Morton Grove

Morton Grove, IL · Cert 17064

FDIC

Q3 2001

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: 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.

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 National Bank of Morton Grove

Morton Grove, IL · Cert 17064

FDIC

Q3 2001

$323.5MAssets
$189.5MLoans
$265.4MDeposits
$27.0MEquity
Loan mix
65%RE $54.4M35%C&I $29.0M0%Consumer $0.4MQ4 1999Q3 2001
Deposit mix
86%Interest-bearing $228.1M14%Noninterest $37.3MQ4 1999Q3 2001

Executive Summary

  • Earnings: ROA of 1.34%, up 12 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.06%.
  • Funding: loans stand at 71.42% of deposits as of Q3 2001.

Return on Assets (YTD, annualized)

1.34%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.39%

Efficiency Ratio (YTD, annualized)

46.19%

Tier 1 Leverage Ratio

n/a
n/a

NIM

6.90%Q1 ’016.75%Q2 ’017.27%Q3 ’01+0%+14%

Non-interest income vs. expense

1.67%Q1 ’011.65%Q2 ’011.77%Q3 ’01-3%+3%

Year to date, annualized, through each quarter.

MetricQ4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.36%1.18%1.22%1.22%1.21%1.16%1.23%1.34%+12 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a2.97%2.98%3.39%n/a
Efficiency Ration/an/an/an/an/a50.59%49.43%46.19%n/a
Non-Interest Burdenn/an/an/an/an/a1.34%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 / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/a0.00%-0.26%-0.06%n/a
Allowance / Loansn/an/an/an/an/a1.16%1.23%1.06%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/a12.20%12.54%11.87%n/a
Equity / Assetsn/an/an/an/an/a7.87%8.13%8.35%n/a
Liquidity & Funding
Loans / Deposits60.64%59.49%61.73%56.53%57.95%61.65%64.89%71.42%+1,490 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.05%0.05%0.05%+5 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a