Villa Park, IL · Cert 10441
FDIC
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Villa Park, IL · Cert 10441
FDIC
Q3 2005
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.36% | 1.32% | 1.33% | 1.35% | 1.35% | 1.28% | 1.25% | 1.25% | -10 bps | |
| Return on Equity | 18.24% | 17.20% | 17.57% | 17.81% | 17.79% | 17.11% | 16.68% | 16.46% | -134 bps | |
| Net Interest Margin | 3.90% | 3.85% | 3.73% | 3.70% | 3.57% | 3.69% | 3.70% | 3.76% | +6 bps | |
| Efficiency Ratio | 56.16% | 56.98% | 56.02% | 55.19% | 54.87% | 52.04% | 52.21% | 53.20% | -199 bps | |
| Non-Interest Burden | 2.01% | 2.03% | 1.92% | 1.86% | 1.78% | 1.71% | 1.73% | 1.80% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.17% | 4.22% | 3.60% | 8.35% | 14.81% | 10.06% | 9.85% | 4.09% | -426 bps | |
| Loan Growth (YoY) | 17.70% | 22.43% | 19.42% | 25.37% | 21.29% | 16.94% | 10.20% | 1.38% | -2,399 bps | |
| Deposit Growth (YoY) | 2.76% | 3.66% | 4.29% | 8.49% | 14.89% | 10.58% | 9.63% | 3.94% | -455 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 | 0.02% | 0.00% | 0.01% | 0.03% | 0.04% | 0.01% | 0.02% | 0.01% | -2 bps | |
| Allowance / Loans | 0.99% | 0.97% | 0.96% | 0.91% | 0.88% | 0.89% | 0.93% | 0.98% | +7 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 | 10.84% | 10.66% | 10.50% | 10.15% | 10.22% | 10.13% | 10.34% | 11.15% | +100 bps | |
| Equity / Assets | 7.58% | 7.77% | 7.38% | 7.57% | 7.52% | 7.47% | 7.53% | 7.77% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.91% | 83.41% | 85.70% | 86.98% | 86.48% | 88.21% | 86.15% | 84.83% | -214 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |