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Midwest Bank of Hinsdale

Hinsdale, IL · Cert 33415

FDIC

Q2 2002

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2002, the quarter ended June 30, 2002, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Midwest Bank of Hinsdale

Hinsdale, IL · Cert 33415

FDIC

Q2 2002

$425.3MAssets
$275.6MLoans
$332.8MDeposits
$31.0MEquity
Loan mix
53%RE $49.5M47%C&I $43.6M0%Consumer $0.1MQ2 2001Q2 2002
Deposit mix
92%Interest-bearing $307.1M8%Noninterest $25.6MQ2 2001Q2 2002

NIM

7.82%Q1 ’017.44%Q2 ’016.01%Q2 ’02-2%+8%

Non-interest income vs. expense

1.64%Q1 ’011.66%Q2 ’011.47%Q2 ’02-5%-16%

Executive Summary

  • Earnings: ROA of 1.47%, up 26 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 82.83% of deposits as of Q2 2002.

Financial Results

Return on Assets (YTD, annualized)

1.47%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.37%+25 bps YoY

Efficiency Ratio (YTD, annualized)

38.67%-822 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets1.22%1.22%1.23%1.47%1.47%+26 bps
Return on Equityn/an/an/a23.17%22.18%n/a
Net Interest Margin3.11%2.97%2.87%3.33%3.37%+25 bps
Efficiency Ratio46.88%46.66%45.29%39.24%38.67%-822 bps
Non-Interest Burden1.24%1.16%1.07%1.01%1.04%-20 bps
Growth
Asset Growth (YoY)18.57%23.15%33.01%28.59%18.37%-20 bps
Loan Growth (YoY)31.76%29.78%33.76%27.00%23.39%-837 bps
Deposit Growth (YoY)26.34%20.06%16.79%24.88%12.75%-1,359 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%0.02%0.06%0.07%0.02%-1 bps
Allowance / Loans1.02%1.00%1.00%1.00%1.02%0 bps
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 Capital10.79%10.36%10.07%10.58%10.83%+4 bps
Equity / Assets6.64%6.85%6.07%6.58%7.29%+65 bps
Liquidity & Funding
Loans / Deposits75.68%80.44%82.88%76.31%82.83%+714 bps
Liquid Assets / Assets2.11%1.99%1.68%1.65%1.63%-48 bps
CRE / Total Capitaln/an/an/an/an/an/an/a