South Elgin, IL · Cert 34035
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.
South Elgin, IL · Cert 34035
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 | -1.50% | -0.69% | -0.98% | -0.83% | -2.18% | -0.86% | -1.10% | -1.34% | -51 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 | 2.89% | 2.82% | 2.83% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 116.88% | 119.31% | 125.74% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | 3.48% | 3.50% | 3.75% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.70% | -12.00% | -7.33% | -3.96% | 1.85% | 3.64% | 2.10% | -7.23% | -326 bps | |
| Loan Growth (YoY) | -12.30% | -18.61% | -20.40% | -15.04% | -1.03% | 11.74% | 9.30% | 6.88% | +2,192 bps | |
| Deposit Growth (YoY) | -11.11% | -10.65% | -6.02% | -2.94% | 3.07% | 4.89% | 3.46% | -5.65% | -270 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 | 0.32% | 2.05% | 1.42% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | 2.31% | 1.73% | 1.98% | 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 | 8.99% | 8.43% | 8.18% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | 5.42% | 5.10% | 5.34% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.10% | 59.65% | 57.48% | 57.75% | 60.59% | 63.55% | 60.73% | 65.42% | +767 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |