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Success National Bank

Lincolnshire, IL · Cert 21025

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

Success National Bank

Lincolnshire, IL · Cert 21025

FDIC

Q3 2001

$570.8MAssets
$500.0MLoans
$446.5MDeposits
$48.5MEquity
Loan mix
71%RE $175.3M29%C&I $71.7M0%Consumer $0.6MQ4 1999Q3 2001
Deposit mix
94%Interest-bearing $419.5M6%Noninterest $27.0MQ4 1999Q3 2001

Executive Summary

  • Earnings: ROA of 0.69%, up 11 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 111.97% of deposits as of Q3 2001.

Return on Assets (YTD, annualized)

0.69%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.50%

Efficiency Ratio (YTD, annualized)

70.75%

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.67%Q1 ’017.49%Q2 ’017.45%Q3 ’010%+4%

Non-interest income vs. expense

2.67%Q1 ’012.72%Q2 ’012.85%Q3 ’01+1%+6%

Year to date, annualized, through each quarter.

MetricQ4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets0.57%0.50%0.51%0.59%0.46%0.67%0.70%0.69%+11 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a3.39%3.38%3.50%n/a
Efficiency Ration/an/an/an/an/a68.34%69.49%70.75%n/a
Non-Interest Burdenn/an/an/an/an/a2.15%2.18%2.32%n/a
Growth
Asset Growth (YoY)5.61%13.27%16.66%16.76%20.82%15.14%6.98%4.77%-1,198 bps
Loan Growth (YoY)14.08%21.46%25.72%20.76%13.31%12.39%5.36%6.75%-1,401 bps
Deposit Growth (YoY)-1.11%10.61%14.46%17.33%24.44%15.78%5.00%-3.95%-2,128 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/a0.00%0.01%0.00%n/a
Allowance / Loansn/an/an/an/an/a1.03%1.05%1.05%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/a11.04%11.50%11.54%n/a
Equity / Assetsn/an/an/an/an/a7.81%8.29%8.49%n/a
Liquidity & Funding
Loans / Deposits107.69%106.66%105.98%100.74%98.06%103.54%106.34%111.97%+1,123 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.30%0.62%0.46%+46 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a