Success National Bank

Lincolnshire, IL · Cert 21025

FDIC

Q3 2001

$570.8MAssets

$500.0MLoans

$446.5MDeposits

$48.5MEquity

Loan mix

Deposit mix

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.

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.

Metric	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	YoY Δ	Trend
Earnings
Return on Assets	0.57%	0.50%	0.51%	0.59%	0.46%	0.67%	0.73%	0.68%	+10 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	9.07%	8.14%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	3.39%	3.31%	3.53%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	68.34%	70.67%	73.28%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	2.15%	2.18%	2.47%	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 / 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%	0.02%	-0.01%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	1.03%	1.05%	1.05%	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	11.04%	11.50%	11.54%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	7.81%	8.29%	8.49%	n/a
Liquidity & Funding
Loans / Deposits	107.69%	106.66%	105.98%	100.74%	98.06%	103.54%	106.34%	111.97%	+1,123 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.30%	0.62%	0.46%	+46 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a