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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 $0.6MQ4 2003Q3 2005
Deposit mix
87%Interest-bearing $227.9M13%Noninterest $33.4MQ4 2003Q3 2005

Executive Summary

  • Earnings: ROA of 1.23%, down 16 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.

Return on Assets (quarter, annualized)

1.23%-16 bps YoY

Net Interest Margin (quarter, annualized)

3.76%-5 bps YoY

Efficiency Ratio (quarter, annualized)

55.16%+154 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

5.17%Q3 ’035.07%Q3 ’045.56%Q3 ’05-3%-1%

Non-interest income vs. expense

2.36%Q3 ’032.27%Q3 ’042.32%Q3 ’05-5%+1%

Discrete quarter, annualized.

MetricQ4 2003Q1 2004Q2 2004Q3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets1.08%1.32%1.33%1.39%1.34%1.28%1.22%1.23%-16 bps
Return on Equity14.22%17.20%17.60%18.62%17.77%17.11%16.29%16.13%-249 bps
Net Interest Margin3.92%3.85%3.74%3.81%3.73%3.69%3.74%3.76%-5 bps
Efficiency Ratio63.88%56.98%55.07%53.61%53.98%52.04%52.38%55.16%+154 bps
Non-Interest Burden2.36%2.03%1.88%1.84%1.82%1.71%1.77%1.87%+3 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 / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.00%0.01%0.08%0.09%0.01%0.02%0.01%-7 bps
Allowance / Loans0.99%0.97%0.96%0.91%0.88%0.89%0.93%0.98%+7 bps
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 Capital10.84%10.66%10.50%10.15%10.22%10.13%10.34%11.15%+100 bps
Equity / Assets7.58%7.77%7.38%7.57%7.52%7.47%7.53%7.77%+20 bps
Liquidity & Funding
Loans / Deposits81.91%83.41%85.70%86.98%86.48%88.21%86.15%84.83%-214 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