PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 ’016.59%Q2 ’016.33%Q3 ’01+4%+7%

Non-interest income vs. expense

2.41%Q1 ’012.42%Q2 ’012.37%Q3 ’01-6%-8%

Executive Summary

  • Earnings: ROA of 1.53%, up 30 bps year over year; NIM at 3.84%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.10%.
  • Funding: loans stand at 62.64% of deposits as of Q3 2001.

Financial Results

Return on Assets (quarter, annualized)

1.53%+30 bps YoY

Net Interest Margin (quarter, annualized)

3.84%

Efficiency Ratio (quarter, annualized)

50.80%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.22%1.26%1.13%1.42%1.53%+30 bps
Return on Equityn/an/an/a17.25%17.98%n/a
Net Interest Marginn/an/a3.47%3.60%3.84%n/a
Efficiency Ration/an/a58.95%55.75%50.80%n/a
Non-Interest Burdenn/an/a1.79%1.68%1.54%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%0.04%0.10%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