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Letter portraitLegal landscapeQuarterYTD

Chicago City Bank&Trust Co.

Chicago, IL · Cert 9075

FDIC

Q2 1999

$168.8MAssets
$28.0MLoans
$135.0MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.09%, up 13 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 20.76% of deposits as of Q2 1999.

Return on Assets (YTD, annualized)

1.09%+13 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ3 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999YoY ΔTrend
Earnings
Return on Assets1.01%1.19%0.75%0.96%1.10%1.28%0.98%1.09%+13 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)-5.16%-5.49%-3.07%1.76%-0.29%0.87%-8.04%-1.10%-286 bps
Loan Growth (YoY)-41.65%-43.17%-14.63%-27.15%-14.08%-1.62%-1.49%2.92%+3,008 bps
Deposit Growth (YoY)-7.14%-6.67%-4.30%1.50%-0.64%1.17%-10.12%-1.06%-255 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/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/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/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits21.72%20.58%20.66%19.96%18.78%20.01%22.64%20.76%+80 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