Round Lake Beach, IL · Cert 16884
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.
Round Lake Beach, IL · Cert 16884
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 | 0.60% | 0.43% | 0.52% | 0.52% | 0.54% | 1.34% | 1.00% | 0.87% | +35 bps | |
| Return on Equity | 6.83% | 3.23% | 3.57% | 3.50% | 3.51% | 7.98% | 6.01% | 5.26% | +176 bps | |
| Net Interest Margin | 3.63% | 3.24% | 3.02% | 2.96% | 2.93% | 3.91% | 3.40% | 3.06% | +9 bps | |
| Efficiency Ratio | 81.75% | 76.02% | 72.38% | 71.88% | 71.03% | 43.78% | 51.14% | 54.13% | -1,775 bps | |
| Non-Interest Burden | 2.83% | 2.73% | 2.41% | 2.34% | 2.28% | 1.82% | 1.87% | 1.78% | -56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.97% | 21.00% | 18.09% | 20.00% | 20.79% | 1.97% | 2.98% | 0.73% | -1,928 bps | |
| Loan Growth (YoY) | 3.60% | 1.83% | -1.36% | 1.37% | -1.27% | 0.94% | -6.39% | -7.07% | -845 bps | |
| Deposit Growth (YoY) | 6.16% | 8.63% | 5.94% | 7.98% | 8.48% | 1.66% | 3.35% | 0.92% | -706 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 | 0.05% | 0.02% | 0.03% | 0.01% | 0.01% | -0.22% | -0.12% | -0.08% | -9 bps | |
| Allowance / Loans | 1.13% | 1.15% | 1.15% | 1.13% | 1.13% | 1.18% | 1.29% | 1.28% | +14 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 | 14.45% | 11.91% | 11.81% | 12.45% | 11.51% | 12.38% | 13.14% | 13.27% | +82 bps | |
| Equity / Assets | 8.84% | 17.14% | 16.57% | 16.27% | 16.60% | 17.06% | 16.35% | 16.29% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.39% | 68.31% | 65.30% | 64.11% | 65.89% | 67.83% | 59.15% | 59.03% | -508 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |