Elmhurst, IL · Cert 19981
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.
Elmhurst, IL · Cert 19981
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 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.22% | 1.26% | 1.13% | 1.27% | 1.35% | +13 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | 3.47% | 3.54% | 3.59% | n/a | |
| Efficiency Ratio | n/a | n/a | 58.95% | 57.30% | 54.95% | n/a | |
| Non-Interest Burden | n/a | n/a | 1.79% | 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | 0.00% | 0.02% | 0.05% | n/a | |
| Allowance / Loans | n/a | n/a | 1.29% | 1.25% | 1.23% | n/a | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | n/a | n/a | 13.15% | 13.13% | 13.20% | n/a | |
| Equity / Assets | n/a | n/a | 8.10% | 8.34% | 8.62% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.22% | 60.27% | 62.08% | 63.26% | 62.64% | +42 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |