Chicago, IL · Cert 21449
FDIC
Q3 2001
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Chicago, IL · Cert 21449
FDIC
Q3 2001
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| 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% | 1.23% | 1.22% | 1.43% | 1.07% | 1.19% | 1.23% | +1 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 3.80% | 3.86% | 4.00% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 67.52% | 63.99% | 63.72% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | 2.19% | 2.04% | 2.11% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.99% | 9.25% | 5.38% | 10.59% | 10.38% | 6.37% | 9.51% | -1.08% | -1,167 bps | |
| Loan Growth (YoY) | 25.92% | 19.21% | 7.08% | 2.47% | 1.33% | 3.56% | 4.40% | 6.37% | +389 bps | |
| Deposit Growth (YoY) | 7.68% | 6.72% | 1.98% | 8.33% | 13.15% | 10.66% | 12.86% | 0.85% | -747 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% | 0.00% | 0.00% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | 0.56% | 0.57% | 0.57% | 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 | 11.36% | 10.44% | 10.86% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | 7.40% | 7.05% | 7.84% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.35% | 79.81% | 78.45% | 73.64% | 71.96% | 74.68% | 72.57% | 77.66% | +402 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.04% | 1.95% | 1.85% | +185 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |