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Villa Park Trust & Savings Bank

Villa Park, IL · Cert 10441

FDIC

Q3 2005

$284.8MAssets
$221.7MLoans
$261.3MDeposits
$22.1MEquity
Loan mix
92%RE $153.3M8%C&I $13.4M0%Consumer $0.6MQ3 2004Q3 2005
Deposit mix
87%Interest-bearing $227.9M13%Noninterest $33.4MQ3 2004Q3 2005

NIM

5.26%Q3 ’034.87%Q3 ’045.43%Q3 ’05-5%+2%

Non-interest income vs. expense

2.31%Q3 ’032.26%Q3 ’042.23%Q3 ’05-2%-3%

Executive Summary

  • Earnings: ROA of 1.25%, down 10 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 84.83% of deposits as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

1.25%-10 bps YoY

Net Interest Margin (YTD, annualized)

3.76%+6 bps YoY

Efficiency Ratio (YTD, annualized)

53.20%-199 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets1.35%1.35%1.28%1.25%1.25%-10 bps
Return on Equity17.81%17.79%17.11%16.68%16.46%-134 bps
Net Interest Margin3.70%3.57%3.69%3.70%3.76%+6 bps
Efficiency Ratio55.19%54.87%52.04%52.21%53.20%-199 bps
Non-Interest Burden1.86%1.78%1.71%1.73%1.80%-7 bps
Growth
Asset Growth (YoY)8.35%14.81%10.06%9.85%4.09%-426 bps
Loan Growth (YoY)25.37%21.29%16.94%10.20%1.38%-2,399 bps
Deposit Growth (YoY)8.49%14.89%10.58%9.63%3.94%-455 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%0.04%0.01%0.02%0.01%-2 bps
Allowance / Loans0.91%0.88%0.89%0.93%0.98%+7 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 Capital10.15%10.22%10.13%10.34%11.15%+100 bps
Equity / Assets7.57%7.52%7.47%7.53%7.77%+20 bps
Liquidity & Funding
Loans / Deposits86.98%86.48%88.21%86.15%84.83%-214 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