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Bankillinois

Champaign, IL · Cert 10842

FDIC

Q3 2007

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2007, the quarter ended September 30, 2007, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Bankillinois

Champaign, IL · Cert 10842

FDIC

Q3 2007

$1.7BAssets
$1.0BLoans
$1.3BDeposits
$284.0MEquity
Loan mix
78%RE $631.7M22%C&I $177.0M0%Consumer $0.7MQ3 2006Q3 2007
Deposit mix
83%Interest-bearing $1.1B17%Noninterest $0.2BQ3 2006Q3 2007

NIM

5.03%Q3 ’055.81%Q3 ’061.45%Q3 ’07-2%-75%

Non-interest income vs. expense

2.46%Q3 ’052.34%Q3 ’060.52%Q3 ’07+4%-78%

Executive Summary

  • Earnings: ROA of 0.29%, down 83 bps year over year; NIM at 0.79%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 79.44% of deposits as of Q3 2007.

Financial Results

Return on Assets (YTD, annualized)

0.29%-83 bps YoY

Net Interest Margin (YTD, annualized)

0.79%-242 bps YoY

Efficiency Ratio (YTD, annualized)

46.23%-794 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets1.12%1.13%1.12%1.13%0.29%-83 bps
Return on Equity12.81%12.79%12.30%12.42%2.62%-1,020 bps
Net Interest Margin3.21%3.20%3.12%3.17%0.79%-242 bps
Efficiency Ratio54.17%54.12%54.51%54.65%46.23%-794 bps
Non-Interest Burden1.34%1.32%1.28%1.31%0.30%-104 bps
Growth
Asset Growth (YoY)28.51%-5.29%-3.22%-1.40%8.74%-1,977 bps
Loan Growth (YoY)24.59%-1.44%3.53%2.49%2.01%-2,259 bps
Deposit Growth (YoY)30.63%-3.12%-0.79%4.35%1.60%-2,903 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.08%0.08%0.52%0.42%0.02%-6 bps
Allowance / Loans1.43%1.44%1.36%1.32%1.28%-14 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 Capital11.60%11.56%11.56%11.36%12.22%+62 bps
Equity / Assets8.93%9.08%9.17%9.16%16.91%+798 bps
Liquidity & Funding
Loans / Deposits79.13%80.80%80.81%79.98%79.44%+31 bps
Liquid Assets / Assets4.89%4.81%4.14%3.99%0.01%-488 bps
CRE / Total Capitaln/an/an/an/an/an/an/a