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Letter portraitLegal landscapeQuarterYTD

American National Bank and Trust Company of Chicago

Chicago, IL · Cert 3619

FDIC

Q3 2002

$16.3BAssets
$8.4BLoans
$7.2BDeposits
$740.3MEquity
Loan mix
22%RE $1.4B78%C&I $4.8B0%Consumer $0.0BQ3 2001Q3 2002
Deposit mix
55%Interest-bearing $3.9B45%Noninterest $3.2BQ3 2001Q3 2002

NIM

7.23%Q1 ’015.84%Q3 ’013.69%Q3 ’02-17%-62%

Non-interest income vs. expense

1.52%Q1 ’011.50%Q3 ’011.83%Q3 ’02+5%+49%

Executive Summary

  • Earnings: ROA of -0.27%, down 117 bps year over year; NIM at 0.97%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.44%.
  • Funding: loans stand at 117.33% of deposits as of Q3 2002.

Financial Results

Return on Assets (quarter, annualized)

-0.27%-117 bps YoY

Net Interest Margin (quarter, annualized)

0.97%-161 bps YoY

Efficiency Ratio (quarter, annualized)

111.61%+6,611 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2001Q4 2001Q1 2002Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets0.91%0.47%0.05%-0.79%-0.27%-117 bps
Return on Equity14.56%8.44%0.91%-13.55%-5.23%-1,979 bps
Net Interest Margin2.58%2.07%1.45%1.08%0.97%-161 bps
Efficiency Ratio45.50%46.61%69.28%110.37%111.61%+6,611 bps
Non-Interest Burden0.78%0.64%0.77%1.26%1.16%+38 bps
Growth
Asset Growth (YoY)27.15%33.04%23.56%14.11%4.56%-2,258 bps
Loan Growth (YoY)2.24%-1.25%-13.99%-19.97%-24.43%-2,667 bps
Deposit Growth (YoY)-12.01%-8.96%8.22%5.36%6.23%+1,824 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.86%1.20%1.34%1.47%0.44%-42 bps
Allowance / Loansn/an/a3.83%4.07%4.42%n/a
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 Capital10.86%10.92%11.68%11.56%11.64%+78 bps
Equity / Assetsn/an/a5.99%5.69%4.54%n/a
Liquidity & Funding
Loans / Deposits164.94%142.66%131.12%127.19%117.33%-4,761 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a