PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

University National Bank

Chicago, IL · Cert 1793

FDIC

Q1 2006

$109.8MAssets
$18.3MLoans
$101.1MDeposits
$8.1MEquity
Deposit mix
68%Interest-bearing $68.5M32%Noninterest $32.6MQ1 2005Q1 2006

NIM

3.42%Q1 ’043.35%Q1 ’053.86%Q1 ’06-4%+4%

Non-interest income vs. expense

2.75%Q1 ’042.71%Q1 ’053.90%Q1 ’06+1%-12%

Executive Summary

  • Earnings: ROA of 1.12%, up 36 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 18.11% of deposits as of Q1 2006.

Financial Results

Return on Assets (YTD, annualized)

1.12%+36 bps YoY

Net Interest Margin (YTD, annualized)

2.96%+12 bps YoY

Efficiency Ratio (YTD, annualized)

77.54%-59 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets0.76%0.82%0.86%0.84%1.12%+36 bps
Return on Equity10.85%11.50%12.09%11.71%15.26%+441 bps
Net Interest Margin2.84%2.85%2.84%2.83%2.96%+12 bps
Efficiency Ratio78.13%76.78%75.36%75.98%77.54%-59 bps
Non-Interest Burden2.08%2.04%1.98%1.99%1.83%-25 bps
Growth
Asset Growth (YoY)0.30%-2.01%0.78%-2.57%-0.93%-123 bps
Loan Growth (YoY)-10.39%-8.09%-10.04%-9.61%-4.25%+613 bps
Deposit Growth (YoY)0.70%-2.50%0.43%-2.87%-0.81%-151 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.11%1.09%1.17%1.18%1.16%+5 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 Capital23.53%23.79%24.33%24.58%25.04%+152 bps
Equity / Assets6.98%7.30%7.22%7.29%7.39%+41 bps
Liquidity & Funding
Loans / Deposits18.76%19.31%17.48%17.74%18.11%-65 bps
Liquid Assets / Assets35.49%34.73%30.85%28.77%26.17%-932 bps
CRE / Total Capitaln/an/an/an/an/an/an/a