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Oak Brook Bank

Oak Brook, IL · Cert 18498

FDIC

Q3 2006

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2006, the quarter ended September 30, 2006, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Oak Brook Bank

Oak Brook, IL · Cert 18498

FDIC

Q3 2006

$2.5BAssets
$1.1BLoans
$1.9BDeposits
$404.7MEquity
Loan mix
61%RE $408.9M22%C&I $148.6M17%Consumer $116.3MQ3 2005Q3 2006
Deposit mix
91%Interest-bearing $1.7B9%Noninterest $0.2BQ3 2005Q3 2006

NIM

4.04%Q3 ’044.51%Q3 ’050.76%Q3 ’06-7%-86%

Non-interest income vs. expense

1.98%Q3 ’042.04%Q3 ’050.25%Q3 ’060%-89%

Executive Summary

  • Earnings: ROA of 0.15%, down 78 bps year over year; NIM at 0.34%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Funding: loans stand at 61.06% of deposits as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

0.15%-78 bps YoY

Net Interest Margin (YTD, annualized)

0.34%-208 bps YoY

Efficiency Ratio (YTD, annualized)

50.43%-1,027 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets0.93%0.88%0.72%0.77%0.15%-78 bps
Return on Equity13.70%13.05%11.01%11.78%1.65%-1,206 bps
Net Interest Margin2.42%2.36%2.07%2.02%0.34%-208 bps
Efficiency Ratio60.70%61.70%65.58%64.74%50.43%-1,027 bps
Non-Interest Burden1.10%1.11%0.99%0.89%0.12%-98 bps
Growth
Asset Growth (YoY)3.14%7.07%13.02%9.67%16.98%+1,384 bps
Loan Growth (YoY)23.24%22.45%25.02%18.26%-10.73%-3,397 bps
Deposit Growth (YoY)6.06%9.80%10.10%5.49%1.42%-464 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.01%0.04%0.02%0.04%+4 bps
Allowance / Loans0.69%0.67%0.64%0.62%1.44%+75 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 Capital10.29%10.06%10.44%10.33%11.00%+72 bps
Equity / Assets6.70%6.53%6.61%6.60%15.95%+925 bps
Liquidity & Funding
Loans / Deposits69.37%69.67%72.30%75.79%61.06%-831 bps
Liquid Assets / Assets1.75%1.60%1.58%1.55%0.07%-167 bps
CRE / Total Capitaln/an/an/an/an/an/an/a