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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 ’017.43%Q2 ’015.99%Q2 ’02+2%+5%

Non-interest income vs. expense

1.64%Q1 ’011.75%Q2 ’011.42%Q2 ’02-6%-14%

Executive Summary

  • Earnings: ROA of 1.48%, up 20 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.02%.
  • Funding: loans stand at 82.83% of deposits as of Q2 2002.

Financial Results

Return on Assets (quarter, annualized)

1.48%+20 bps YoY

Net Interest Margin (quarter, annualized)

3.37%+15 bps YoY

Efficiency Ratio (quarter, annualized)

38.07%-884 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets1.28%1.23%1.25%1.47%1.48%+20 bps
Return on Equity18.76%18.26%19.44%23.17%21.34%+259 bps
Net Interest Margin3.21%3.00%3.19%3.33%3.37%+15 bps
Efficiency Ratio46.91%46.24%41.74%39.24%38.07%-884 bps
Non-Interest Burden1.23%1.13%1.04%1.01%1.06%-17 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 / Loans0.00%0.00%0.18%0.07%-0.02%-2 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