Wyoming, IL · Cert 15096
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.
Wyoming, IL · Cert 15096
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 | 0.18% | 0.55% | 0.34% | 0.28% | 0.25% | -0.10% | 0.25% | 0.43% | +15 bps | |
| Return on Equity | 2.09% | 6.68% | 4.04% | 3.36% | 2.99% | -1.22% | 3.02% | 4.90% | +154 bps | |
| Net Interest Margin | 2.62% | 2.79% | 2.97% | 2.90% | 2.73% | 2.73% | 3.23% | 3.42% | +51 bps | |
| Efficiency Ratio | 93.54% | 96.24% | 96.27% | 95.79% | 95.67% | 96.97% | 89.64% | 86.37% | -942 bps | |
| Non-Interest Burden | 2.42% | 2.67% | 2.84% | 2.76% | 2.59% | 2.64% | 2.84% | 2.88% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.35% | -11.00% | -8.57% | -6.16% | 0.75% | -4.41% | -10.01% | -10.00% | -384 bps | |
| Loan Growth (YoY) | -12.63% | -7.23% | 2.59% | 5.07% | 8.91% | 7.40% | 4.76% | -3.71% | -878 bps | |
| Deposit Growth (YoY) | 5.03% | -10.55% | -14.85% | -18.54% | -11.12% | -4.58% | -4.02% | 2.45% | +2,099 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 | 0.70% | 0.00% | -0.03% | -0.04% | -0.03% | -0.06% | -0.06% | -0.06% | -2 bps | |
| Allowance / Loans | 1.50% | 1.61% | 1.50% | 1.44% | 1.40% | 1.55% | 1.48% | 1.54% | +10 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 | 25.58% | 29.11% | 26.85% | 25.68% | 22.64% | 25.37% | 24.46% | 24.60% | -107 bps | |
| Equity / Assets | 7.98% | 8.54% | 8.68% | 8.57% | 7.42% | 8.73% | 9.21% | 10.03% | +145 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 39.10% | 40.25% | 46.18% | 52.20% | 47.92% | 45.31% | 50.41% | 49.05% | -314 bps | |
| Liquid Assets / Assets | 9.26% | 0.88% | 0.87% | 0.86% | 0.65% | 0.59% | 0.76% | 0.62% | -25 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |