First National Bank of Elmhurst

Elmhurst, IL · Cert 19981

FDIC

Q3 2001

$171.2MAssets

$96.0MLoans

$153.2MDeposits

$14.7MEquity

Loan mix

Deposit mix

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.

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.

Metric	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	YoY Δ	Trend
Earnings
Return on Assets	1.36%	1.14%	1.22%	1.22%	1.26%	1.13%	1.42%	1.53%	+30 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	17.25%	17.98%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	3.47%	3.60%	3.84%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	58.95%	55.75%	50.80%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	1.79%	1.68%	1.54%	n/a
Growth
Asset Growth (YoY)	6.07%	0.90%	2.95%	0.72%	6.16%	3.17%	1.31%	1.65%	+94 bps
Loan Growth (YoY)	4.29%	4.36%	5.56%	0.10%	1.48%	5.07%	4.45%	2.99%	+289 bps
Deposit Growth (YoY)	5.64%	1.66%	0.27%	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%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	0.00%	0.04%	0.10%	n/a
Allowance / Loans	n/a	n/a	n/a	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	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	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	13.15%	13.13%	13.20%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	8.10%	8.34%	8.62%	n/a
Liquidity & Funding
Loans / Deposits	63.30%	60.48%	62.60%	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%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a