San Jose, IL · Cert 16202
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.
San Jose, IL · Cert 16202
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 | 0.52% | 0.81% | 0.65% | 0.55% | -5.81% | -0.47% | -2.62% | -2.42% | -297 bps | |
| Return on Equity | 5.54% | 8.39% | 6.74% | 5.62% | -67.32% | -12.38% | -73.38% | -72.76% | -7,837 bps | |
| Net Interest Margin | 4.56% | 4.50% | 4.52% | 4.84% | 4.90% | 4.89% | 4.86% | 5.29% | +45 bps | |
| Efficiency Ratio | 84.96% | 81.42% | 85.00% | 85.54% | 86.79% | 142.00% | 160.71% | 150.68% | +6,514 bps | |
| Non-Interest Burden | 3.66% | 3.40% | 3.64% | 3.94% | 4.08% | 7.36% | 8.47% | 8.63% | +469 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.56% | 6.61% | 3.33% | -1.72% | -2.94% | -14.07% | -19.39% | -15.06% | -1,334 bps | |
| Loan Growth (YoY) | -3.38% | 12.54% | 29.57% | 17.00% | 10.37% | -0.47% | -20.93% | -21.69% | -3,869 bps | |
| Deposit Growth (YoY) | -12.22% | 6.46% | 2.68% | -2.50% | 3.74% | -8.37% | -12.78% | -7.06% | -456 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 | 0.29% | 0.00% | 0.11% | 0.30% | 5.76% | 2.78% | 2.10% | 1.22% | +93 bps | |
| Allowance / Loans | 1.26% | 1.18% | 1.03% | 1.01% | 5.09% | 4.39% | 4.65% | 4.97% | +395 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 | 18.27% | 17.36% | 15.23% | 15.73% | 7.18% | 7.02% | 5.79% | 5.15% | -1,058 bps | |
| Equity / Assets | 9.95% | 9.43% | 9.48% | 10.29% | 3.81% | 3.86% | 2.96% | 2.52% | -777 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.00% | 71.35% | 83.23% | 88.05% | 74.47% | 77.50% | 75.46% | 74.19% | -1,386 bps | |
| Liquid Assets / Assets | 5.62% | 3.91% | 5.37% | 5.78% | 5.79% | 6.07% | 6.66% | 6.81% | +103 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |