Chicago, IL · Cert 16935
FDIC
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 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.
Chicago, IL · Cert 16935
FDIC
Q4 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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.70% | 1.95% | 2.24% | 2.18% | 1.89% | 1.82% | 1.92% | 2.10% | -7 bps | |
| Return on Equity | 15.43% | 17.65% | 19.86% | 18.91% | 15.67% | 14.95% | 16.07% | 17.59% | -132 bps | |
| Net Interest Margin | 4.34% | 4.62% | 5.08% | 5.06% | 4.60% | 4.44% | 4.62% | 4.95% | -12 bps | |
| Efficiency Ratio | 38.58% | 35.03% | 32.16% | 32.79% | 34.74% | 34.73% | 33.16% | 31.30% | -149 bps | |
| Non-Interest Burden | 1.65% | 1.53% | 1.53% | 1.59% | 1.60% | 1.54% | 1.52% | 1.53% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.49% | 21.71% | 8.94% | 1.62% | 5.89% | 7.07% | 4.36% | 4.40% | +278 bps | |
| Loan Growth (YoY) | 59.43% | 28.31% | 10.88% | 2.21% | 3.54% | 5.67% | 1.25% | 4.63% | +242 bps | |
| Deposit Growth (YoY) | 27.86% | 27.48% | 12.33% | -0.24% | 6.66% | 3.85% | 5.69% | 5.07% | +531 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 | -0.01% | 0.00% | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | 0 bps | |
| Allowance / Loans | 1.19% | 1.18% | 1.22% | 1.50% | 1.34% | 1.32% | 1.41% | 1.45% | -6 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 | 11.51% | 11.95% | 13.03% | 13.59% | 12.66% | 12.94% | 12.40% | 13.31% | -28 bps | |
| Equity / Assets | 11.55% | 11.08% | 12.11% | 12.37% | 11.83% | 12.33% | 11.40% | 11.85% | -52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.32% | 86.59% | 86.96% | 81.10% | 84.77% | 88.11% | 83.31% | 80.76% | -34 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 1.32% | 1.22% | 1.56% | 0.17% | 0.17% | -115 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |