Mid Town Bank & Trust Company of Chicago

Chicago, IL · Cert 21449

FDIC

Q3 2001

$309.3MAssets

$215.7MLoans

$277.8MDeposits

$24.3MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of 1.27%, up 6 bps year over year; NIM at 4.15%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
Funding: loans stand at 77.66% of deposits as of Q3 2001.

Return on Assets (quarter, annualized)

1.27%+6 bps YoY

Net Interest Margin (quarter, annualized)

4.15%

Efficiency Ratio (quarter, annualized)

63.20%

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	1.36%	1.14%	1.23%	1.22%	1.43%	1.07%	1.32%	1.27%	+6 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	18.31%	17.11%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	3.80%	3.97%	4.15%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	67.52%	60.66%	63.20%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	2.19%	1.93%	2.18%	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%	0.01%	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