Eldorado, IL · Cert 1041
FDIC
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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.
Eldorado, IL · Cert 1041
FDIC
Q3 2006
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.23% | -0.79% | -0.47% | -0.33% | 0.39% | 0.05% | -0.21% | +26 bps | |
| Return on Equity | 1.96% | 2.17% | -7.75% | -4.63% | -3.29% | 4.05% | 0.55% | -2.19% | +244 bps | |
| Net Interest Margin | 2.59% | 2.69% | 2.85% | 2.88% | 2.88% | 2.96% | 2.91% | 2.77% | -11 bps | |
| Efficiency Ratio | 92.37% | 92.13% | 91.22% | 91.97% | 93.10% | 88.26% | 93.07% | 103.13% | +1,116 bps | |
| Non-Interest Burden | 2.37% | 2.46% | 2.58% | 2.63% | 2.66% | 2.57% | 2.68% | 2.87% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.20% | -3.78% | -3.00% | -2.17% | -0.99% | -1.74% | -3.18% | -4.53% | -236 bps | |
| Loan Growth (YoY) | -1.07% | -4.92% | -0.35% | 4.60% | 0.01% | 6.38% | 2.65% | -6.09% | -1,069 bps | |
| Deposit Growth (YoY) | -7.11% | -10.42% | -5.25% | -1.38% | 1.16% | 5.09% | 2.45% | 0.11% | +149 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 | -0.03% | 0.00% | 4.91% | 3.19% | 2.38% | -0.07% | 0.73% | 0.48% | -270 bps | |
| Allowance / Loans | 1.02% | 1.09% | 1.03% | 0.96% | 1.00% | 1.01% | 1.03% | 1.09% | +13 bps | |
| 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 | 31.80% | 33.98% | 32.40% | 32.10% | 32.39% | 32.41% | 32.39% | 32.56% | +46 bps | |
| Equity / Assets | 10.55% | 10.30% | 9.84% | 9.93% | 9.66% | 9.74% | 9.67% | 9.94% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 28.17% | 27.78% | 28.06% | 29.10% | 27.85% | 28.12% | 28.11% | 27.29% | -180 bps | |
| Liquid Assets / Assets | 0.02% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.04% | 0.02% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |