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First National Bank of Elmhurst

Elmhurst, IL · Cert 19981

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 Elmhurst

Elmhurst, IL · Cert 19981

FDIC

Q3 2001

$171.2MAssets
$96.0MLoans
$153.2MDeposits
$14.7MEquity
Loan mix
52%RE $25.2M47%C&I $22.6M1%Consumer $0.3MQ3 2000Q3 2001
Deposit mix
75%Interest-bearing $114.5M25%Noninterest $38.6MQ3 2000Q3 2001

NIM

6.69%Q1 ’016.64%Q2 ’016.44%Q3 ’01+2%+1%

Non-interest income vs. expense

2.41%Q1 ’012.42%Q2 ’012.37%Q3 ’01-3%-5%

Executive Summary

  • Earnings: ROA of 1.35%, up 13 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.05%.
  • Funding: loans stand at 62.64% of deposits as of Q3 2001.

Financial Results

Return on Assets (YTD, annualized)

1.35%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.59%

Efficiency Ratio (YTD, annualized)

54.95%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.22%1.26%1.13%1.27%1.35%+13 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a3.47%3.54%3.59%n/a
Efficiency Ration/an/a58.95%57.30%54.95%n/a
Non-Interest Burdenn/an/a1.79%1.74%1.65%n/a
Growth
Asset Growth (YoY)0.72%6.16%3.17%1.31%1.65%+94 bps
Loan Growth (YoY)0.10%1.48%5.07%4.45%2.99%+289 bps
Deposit Growth (YoY)0.83%6.58%2.36%3.36%2.30%+147 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.00%0.02%0.05%n/a
Allowance / Loansn/an/a1.29%1.25%1.23%n/a
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 Capitaln/an/a13.15%13.13%13.20%n/a
Equity / Assetsn/an/a8.10%8.34%8.62%n/a
Liquidity & Funding
Loans / Deposits62.22%60.27%62.08%63.26%62.64%+42 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a