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Elgin Financial Savings Bank

Elgin, IL · Cert 29612

FDIC

Q4 2005

$1.1BAssets
$851.3MLoans
$748.8MDeposits
$78.1MEquity
Loan mix
95%RE $638.4M5%C&I $32.2M0%Consumer $0.3MQ4 2004Q4 2005
Deposit mix
93%Interest-bearing $694.6M7%Noninterest $54.2MQ4 2004Q4 2005

NIM

5.26%Q4 ’034.97%Q4 ’045.35%Q4 ’05-13%+2%

Non-interest income vs. expense

2.12%Q4 ’031.99%Q4 ’043.69%Q4 ’05-41%+250%

Executive Summary

  • Earnings: ROA of -0.44%, down 137 bps year over year; NIM at 2.59%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 113.68% of deposits as of Q4 2005.

Financial Results

Return on Assets (quarter, annualized)

-0.44%-137 bps YoY

Net Interest Margin (quarter, annualized)

2.59%+5 bps YoY

Efficiency Ratio (quarter, annualized)

122.37%+6,704 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets0.94%0.62%0.76%-0.10%-0.44%-137 bps
Return on Equity11.84%7.85%9.55%-1.34%-5.77%-1,761 bps
Net Interest Margin2.54%2.55%2.56%2.52%2.59%+5 bps
Efficiency Ratio55.33%70.18%66.64%107.60%122.37%+6,704 bps
Non-Interest Burden0.93%1.64%1.52%2.76%3.27%+233 bps
Growth
Asset Growth (YoY)11.96%10.05%8.99%4.88%5.28%-668 bps
Loan Growth (YoY)12.72%15.06%7.86%6.85%4.80%-792 bps
Deposit Growth (YoY)12.68%10.38%11.89%8.05%10.23%-244 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.03%0.02%0.03%+3 bps
Allowance / Loans0.55%0.57%0.59%0.61%0.61%+6 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 Capital11.52%11.47%11.43%11.07%10.59%-93 bps
Equity / Assets7.95%7.88%7.93%7.69%7.41%-55 bps
Liquidity & Funding
Loans / Deposits119.58%117.22%113.75%112.86%113.68%-589 bps
Liquid Assets / Assets1.57%0.24%1.06%2.16%1.66%+9 bps
CRE / Total Capitaln/an/an/an/an/an/an/a