PackageTrendsPeer
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 $0.0BQ4 2000Q3 2002
Deposit mix
55%Interest-bearing $3.9B45%Noninterest $3.2BQ4 2000Q3 2002

Executive Summary

  • Earnings: ROA of -0.32%, down 116 bps year over year; NIM at 1.17%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.18%.
  • Funding: loans stand at 117.33% of deposits as of Q3 2002.

Return on Assets (YTD, annualized)

-0.32%-116 bps YoY

Net Interest Margin (YTD, annualized)

1.17%-154 bps YoY

Efficiency Ratio (YTD, annualized)

94.19%+5,107 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.23%Q1 ’016.10%Q3 ’013.83%Q3 ’02-12%-57%

Non-interest income vs. expense

1.52%Q1 ’011.47%Q3 ’011.79%Q3 ’02+4%+38%

Year to date, annualized, through each quarter.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001Q1 2002Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets0.48%1.07%0.83%0.84%0.74%0.05%-0.36%-0.32%-116 bps
Return on Equityn/an/an/an/an/a0.91%-6.25%-5.96%n/a
Net Interest Marginn/a3.10%3.09%2.72%2.38%1.45%1.30%1.17%-154 bps
Efficiency Ration/a39.19%41.98%43.11%43.89%69.28%87.14%94.19%+5,107 bps
Non-Interest Burdenn/a0.74%0.85%0.77%0.69%0.77%1.04%1.06%+29 bps
Growth
Asset Growth (YoY)5.73%2.05%5.57%27.15%33.04%23.56%14.11%4.56%-2,258 bps
Loan Growth (YoY)10.68%8.32%7.49%2.24%-1.25%-13.99%-19.97%-24.43%-2,667 bps
Deposit Growth (YoY)19.62%-1.96%1.59%-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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a1.16%1.29%1.17%1.22%1.34%1.43%1.18%+2 bps
Allowance / Loansn/an/an/an/an/a3.83%4.07%4.42%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/a10.92%10.77%10.86%10.92%11.68%11.56%11.64%+78 bps
Equity / Assetsn/an/an/an/an/a5.99%5.69%4.54%n/a
Liquidity & Funding
Loans / Deposits131.51%164.98%167.44%164.94%142.66%131.12%127.19%117.33%-4,761 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a