PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Uptown National Bank of Chicago

Chicago, IL · Cert 919

FDIC

Q1 2003

$417.4MAssets
$274.2MLoans
$355.8MDeposits
$37.8MEquity
Loan mix
43%RE $59.8M56%C&I $78.2M1%Consumer $1.2MQ1 2002Q1 2003
Deposit mix
74%Interest-bearing $261.7M26%Noninterest $94.1MQ1 2002Q1 2003

NIM

7.95%Q1 ’017.23%Q1 ’027.39%Q1 ’03+29%+11%

Non-interest income vs. expense

3.47%Q1 ’013.56%Q1 ’023.42%Q1 ’03+5%+1%

Executive Summary

  • Earnings: ROA of 1.70%, up 49 bps year over year; NIM at 5.82%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 77.06% of deposits as of Q1 2003.

Financial Results

Return on Assets (quarter, annualized)

1.70%+49 bps YoY

Net Interest Margin (quarter, annualized)

5.82%+59 bps YoY

Efficiency Ratio (quarter, annualized)

55.67%-649 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2002Q2 2002Q3 2002Q4 2002Q1 2003YoY ΔTrend
Earnings
Return on Assets1.21%1.35%1.13%0.95%1.70%+49 bps
Return on Equity14.57%15.86%12.97%10.73%18.82%+425 bps
Net Interest Margin5.22%5.24%5.26%5.03%5.82%+59 bps
Efficiency Ratio62.16%60.07%61.27%58.47%55.67%-649 bps
Non-Interest Burden3.07%2.95%3.05%2.76%3.10%+4 bps
Growth
Asset Growth (YoY)-7.37%-3.59%0.43%4.55%5.61%+1,297 bps
Loan Growth (YoY)5.21%-2.41%-3.90%-6.22%-12.10%-1,731 bps
Deposit Growth (YoY)-8.87%-6.21%0.60%6.37%6.63%+1,550 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.17%0.07%0.08%1.17%0.00%-17 bps
Allowance / Loans1.34%1.45%1.56%1.65%1.72%+37 bps
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 Capital11.30%11.99%12.21%12.89%13.51%+221 bps
Equity / Assets8.23%8.77%8.68%9.04%9.05%+82 bps
Liquidity & Funding
Loans / Deposits93.48%91.20%86.12%82.86%77.06%-1,642 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