Elgin, IL · Cert 29612
FDIC
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Elgin, IL · Cert 29612
FDIC
Q4 2005
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 0.82% | 0.77% | 0.82% | 0.62% | 0.69% | 0.42% | 0.20% | -61 bps | |
| Return on Equity | 11.07% | 10.01% | 9.49% | 10.09% | 7.85% | 8.68% | 5.34% | 2.59% | -749 bps | |
| Net Interest Margin | 2.73% | 2.61% | 2.46% | 2.44% | 2.55% | 2.53% | 2.50% | 2.53% | +9 bps | |
| Efficiency Ratio | 61.41% | 65.03% | 65.68% | 62.69% | 70.18% | 68.37% | 81.68% | 91.77% | +2,907 bps | |
| Non-Interest Burden | 1.40% | 1.49% | 1.42% | 1.28% | 1.64% | 1.56% | 1.94% | 2.28% | +100 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.29% | 10.41% | 13.28% | 11.96% | 10.05% | 8.99% | 4.88% | 5.28% | -668 bps | |
| Loan Growth (YoY) | 14.70% | 16.40% | 10.50% | 12.72% | 15.06% | 7.86% | 6.85% | 4.80% | -792 bps | |
| Deposit Growth (YoY) | 15.25% | 14.11% | 13.65% | 12.68% | 10.38% | 11.89% | 8.05% | 10.23% | -244 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.02% | 0.02% | +2 bps | |
| Allowance / Loans | 0.54% | 0.53% | 0.55% | 0.55% | 0.57% | 0.59% | 0.61% | 0.61% | +6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 12.24% | 11.57% | 11.22% | 11.52% | 11.47% | 11.43% | 11.07% | 10.59% | -93 bps | |
| Equity / Assets | 8.41% | 7.92% | 7.84% | 7.95% | 7.88% | 7.93% | 7.69% | 7.41% | -55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 112.46% | 118.00% | 114.12% | 119.58% | 117.22% | 113.75% | 112.86% | 113.68% | -589 bps | |
| Liquid Assets / Assets | 5.52% | 2.50% | 1.71% | 1.57% | 0.24% | 1.06% | 2.16% | 1.66% | +9 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |