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Letter portraitLegal landscapeQuarterYTD

Mid Town Bank & Trust Company of Chicago

Chicago, IL · Cert 21449

FDIC

Q3 2001

$309.3MAssets
$215.7MLoans
$277.8MDeposits
$24.3MEquity
Loan mix
90%RE $121.9M10%C&I $13.3M0%Consumer $0.1MQ3 2000Q3 2001
Deposit mix
80%Interest-bearing $223.4M20%Noninterest $54.4MQ3 2000Q3 2001

NIM

7.11%Q1 ’016.95%Q2 ’016.96%Q3 ’01+2%+4%

Non-interest income vs. expense

3.35%Q1 ’013.23%Q2 ’013.32%Q3 ’01-7%+3%

Executive Summary

  • Earnings: ROA of 1.23%, up 1 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 77.66% of deposits as of Q3 2001.

Financial Results

Return on Assets (YTD, annualized)

1.23%+1 bps YoY

Net Interest Margin (YTD, annualized)

4.00%

Efficiency Ratio (YTD, annualized)

63.72%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.22%1.43%1.07%1.19%1.23%+1 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a3.80%3.86%4.00%n/a
Efficiency Ration/an/a67.52%63.99%63.72%n/a
Non-Interest Burdenn/an/a2.19%2.04%2.11%n/a
Growth
Asset Growth (YoY)10.59%10.38%6.37%9.51%-1.08%-1,167 bps
Loan Growth (YoY)2.47%1.33%3.56%4.40%6.37%+389 bps
Deposit Growth (YoY)8.33%13.15%10.66%12.86%0.85%-747 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.00%0.00%0.00%n/a
Allowance / Loansn/an/a0.56%0.57%0.57%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/a11.36%10.44%10.86%n/a
Equity / Assetsn/an/a7.40%7.05%7.84%n/a
Liquidity & Funding
Loans / Deposits73.64%71.96%74.68%72.57%77.66%+402 bps
Liquid Assets / Assets0.00%0.00%2.04%1.95%1.85%+185 bps
CRE / Total Capitaln/an/an/an/an/an/an/a