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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

4.31%Q3 ’044.81%Q3 ’05-7.00%Q3 ’06-10%-211%

Non-interest income vs. expense

2.18%Q3 ’042.10%Q3 ’05-3.06%Q3 ’06-15%-213%

Executive Summary

  • Earnings: ROA of -1.02%, down 190 bps year over year; NIM at -2.67%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.08%.
  • Funding: loans stand at 61.06% of deposits as of Q3 2006.

Financial Results

Return on Assets (quarter, annualized)

-1.02%-190 bps YoY

Net Interest Margin (quarter, annualized)

-2.67%-508 bps YoY

Efficiency Ratio (quarter, annualized)

53.69%-813 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets0.88%0.73%0.72%0.82%-1.02%-190 bps
Return on Equity12.92%11.09%11.01%12.43%-8.93%-2,185 bps
Net Interest Margin2.40%2.36%2.07%2.02%-2.67%-508 bps
Efficiency Ratio61.82%64.70%65.58%63.98%53.69%-813 bps
Non-Interest Burden1.10%1.21%0.99%0.80%-1.25%-235 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 / Loans-0.01%0.03%0.04%0.00%0.08%+9 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