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Letter portraitLegal landscapeQuarterYTD

First National Bank of Lincolnwood, The

Lincolnwood, IL · Cert 17501

FDIC

Q1 2002

$227.5MAssets
$102.6MLoans
$182.7MDeposits
$21.6MEquity
Deposit mix
89%Interest-bearing $162.7M11%Noninterest $20.1MQ1 2001Q1 2002

NIM

7.08%Q1 ’015.90%Q1 ’02+22%

Non-interest income vs. expense

1.91%Q1 ’012.14%Q1 ’02+12%

Executive Summary

  • Earnings: ROA of 0.36%, down 39 bps year over year; NIM at 3.48%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 56.17% of deposits as of Q1 2002.

Financial Results

Return on Assets (quarter, annualized)

0.36%-39 bps YoY

Net Interest Margin (quarter, annualized)

3.48%+63 bps YoY

Efficiency Ratio (quarter, annualized)

58.59%-492 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2001Q2 2001Q3 2001Q4 2001Q1 2002YoY ΔTrend
Earnings
Return on Assets0.75%0.75%0.89%0.91%0.36%-39 bps
Return on Equityn/a9.21%10.59%10.34%3.91%n/a
Net Interest Margin2.85%2.78%3.04%3.26%3.48%+63 bps
Efficiency Ratio63.51%62.58%58.97%61.88%58.59%-492 bps
Non-Interest Burden1.75%1.68%1.72%1.94%1.97%+22 bps
Growth
Asset Growth (YoY)4.10%4.29%-1.35%1.25%-9.19%-1,329 bps
Loan Growth (YoY)13.95%8.89%6.29%11.25%6.82%-713 bps
Deposit Growth (YoY)-0.46%4.50%9.57%9.36%1.10%+156 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.66%0.68%0.67%0.60%1.18%+52 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 Capital22.49%22.66%21.14%20.21%21.17%-131 bps
Equity / Assets8.06%8.14%8.73%8.81%9.48%+142 bps
Liquidity & Funding
Loans / Deposits53.16%50.74%51.46%55.01%56.17%+301 bps
Liquid Assets / Assets49.81%45.89%43.87%37.74%35.28%-1,453 bps
CRE / Total Capitaln/an/an/an/an/an/an/a