Waukegan, IL · Cert 34039
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.
Waukegan, IL · Cert 34039
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 | 3.42% | 8.89% | 5.56% | 5.88% | 6.62% | 7.11% | 6.59% | 6.76% | +87 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 | 8.85% | 8.23% | 9.43% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 34.89% | 26.57% | 23.30% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | -3.09% | -4.96% | -5.42% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -71.90% | -75.12% | -70.26% | -39.58% | 41.18% | 33.92% | 4.08% | 21.38% | +6,096 bps | |
| Loan Growth (YoY) | -75.34% | -77.22% | -79.46% | -41.63% | 30.51% | 31.07% | 37.09% | 28.50% | +7,013 bps | |
| Deposit Growth (YoY) | -61.63% | -4.84% | -34.36% | -26.49% | 219% | 29.60% | -10.79% | -19.01% | +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 | 1.21% | 3.50% | 3.92% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | 5.32% | 5.23% | 6.08% | 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 | 29.44% | 28.98% | 30.56% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | 26.60% | 26.06% | 27.42% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 29755% | 9240% | 11561% | 6909% | 12183% | 9345% | 17765% | 10962% | +405,336 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 |