PackageTrendsPeer
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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 $0.6MQ3 2000Q3 2001
Deposit mix
94%Interest-bearing $419.5M6%Noninterest $27.0MQ3 2000Q3 2001

NIM

7.67%Q1 ’017.19%Q2 ’016.91%Q3 ’01-2%+7%

Non-interest income vs. expense

2.67%Q1 ’012.73%Q2 ’012.93%Q3 ’01+1%+13%

Executive Summary

  • Earnings: ROA of 0.68%, up 10 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 111.97% of deposits as of Q3 2001.

Financial Results

Return on Assets (quarter, annualized)

0.68%+10 bps YoY

Net Interest Margin (quarter, annualized)

3.53%

Efficiency Ratio (quarter, annualized)

73.28%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets0.59%0.46%0.67%0.73%0.68%+10 bps
Return on Equityn/an/an/a9.07%8.14%n/a
Net Interest Marginn/an/a3.39%3.31%3.53%n/a
Efficiency Ration/an/a68.34%70.67%73.28%n/a
Non-Interest Burdenn/an/a2.15%2.18%2.47%n/a
Growth
Asset Growth (YoY)16.76%20.82%15.14%6.98%4.77%-1,198 bps
Loan Growth (YoY)20.76%13.31%12.39%5.36%6.75%-1,401 bps
Deposit Growth (YoY)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 bps
Net Charge-Offs / Loansn/an/a0.00%0.02%-0.01%n/a
Allowance / Loansn/an/a1.03%1.05%1.05%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/a11.04%11.50%11.54%n/a
Equity / Assetsn/an/a7.81%8.29%8.49%n/a
Liquidity & Funding
Loans / Deposits100.74%98.06%103.54%106.34%111.97%+1,123 bps
Liquid Assets / Assets0.00%0.00%0.30%0.62%0.46%+46 bps
CRE / Total Capitaln/an/an/an/an/an/an/a