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First Bank of Oak Park

Oak Park, IL · Cert 1801

FDIC

Q4 2005

$272.4MAssets
$189.5MLoans
$237.7MDeposits
$32.2MEquity
Loan mix
76%RE $37.2M24%C&I $11.8M0%Consumer $0.1MQ4 2004Q4 2005
Deposit mix
81%Interest-bearing $193.4M19%Noninterest $44.3MQ4 2004Q4 2005

NIM

6.64%Q4 ’036.42%Q4 ’046.73%Q4 ’05-5%-9%

Non-interest income vs. expense

1.93%Q4 ’032.18%Q4 ’041.67%Q4 ’05+19%-70%

Executive Summary

  • Earnings: ROA of 2.67%, up 31 bps year over year; NIM at 4.80%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.06%.
  • Funding: loans stand at 79.71% of deposits as of Q4 2005.

Financial Results

Return on Assets (quarter, annualized)

2.67%+31 bps YoY

Net Interest Margin (quarter, annualized)

4.80%-45 bps YoY

Efficiency Ratio (quarter, annualized)

27.69%-883 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets2.37%2.67%2.29%2.62%2.67%+31 bps
Return on Equity19.61%22.53%19.22%22.38%23.28%+367 bps
Net Interest Margin5.25%5.33%5.10%5.24%4.80%-45 bps
Efficiency Ratio36.52%37.44%40.08%36.79%27.69%-883 bps
Non-Interest Burden1.45%0.94%1.57%1.10%0.43%-102 bps
Growth
Asset Growth (YoY)4.79%11.74%9.34%9.06%5.82%+102 bps
Loan Growth (YoY)2.95%14.34%11.09%8.11%6.11%+316 bps
Deposit Growth (YoY)3.65%12.13%8.46%11.11%6.72%+307 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.02%-0.03%-0.03%-0.03%-0.06%-4 bps
Allowance / Loans1.15%1.03%1.06%1.11%1.13%-3 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 Capital13.34%12.70%13.47%12.59%13.11%-23 bps
Equity / Assets12.14%11.59%12.26%11.17%11.81%-34 bps
Liquidity & Funding
Loans / Deposits80.17%82.96%82.03%79.09%79.71%-46 bps
Liquid Assets / Assets4.01%3.65%3.66%1.92%1.86%-215 bps
CRE / Total Capitaln/an/an/an/an/an/an/a