Oak Brook, IL · Cert 18498
FDIC
Q3 2006
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Oak Brook, IL · Cert 18498
FDIC
Q3 2006
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.93% | 0.88% | 0.72% | 0.77% | 0.15% | -78 bps | |
| Return on Equity | 13.70% | 13.05% | 11.01% | 11.78% | 1.65% | -1,206 bps | |
| Net Interest Margin | 2.42% | 2.36% | 2.07% | 2.02% | 0.34% | -208 bps | |
| Efficiency Ratio | 60.70% | 61.70% | 65.58% | 64.74% | 50.43% | -1,027 bps | |
| Non-Interest Burden | 1.10% | 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.02% | 0.04% | +4 bps | |
| Allowance / Loans | 0.69% | 0.67% | 0.64% | 0.62% | 1.44% | +75 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 10.29% | 10.06% | 10.44% | 10.33% | 11.00% | +72 bps | |
| Equity / Assets | 6.70% | 6.53% | 6.61% | 6.60% | 15.95% | +925 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 69.37% | 69.67% | 72.30% | 75.79% | 61.06% | -831 bps | |
| Liquid Assets / Assets | 1.75% | 1.60% | 1.58% | 1.55% | 0.07% | -167 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |