Belleville, IL · Cert 33222
FDIC
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 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.
Belleville, IL · Cert 33222
FDIC
Q2 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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.85% | 0.86% | 0.89% | 0.88% | 0.86% | 0.75% | 0.78% | -11 bps | |
| Return on Equity | 10.82% | 11.59% | 11.60% | 11.78% | 11.66% | 11.54% | 10.19% | 10.55% | -124 bps | |
| Net Interest Margin | 3.12% | 3.04% | 3.01% | 3.02% | 2.97% | 2.94% | 2.88% | 2.95% | -7 bps | |
| Efficiency Ratio | 71.83% | 70.16% | 75.97% | 73.99% | 73.14% | 72.44% | 74.08% | 73.47% | -53 bps | |
| Non-Interest Burden | 1.98% | 1.86% | 2.11% | 2.01% | 1.93% | 1.90% | 1.95% | 1.97% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.34% | 4.37% | 2.81% | 3.80% | 3.89% | 7.52% | 4.50% | 3.62% | -18 bps | |
| Loan Growth (YoY) | 11.72% | 10.94% | 14.54% | 9.57% | 7.12% | 6.31% | 4.75% | 4.14% | -544 bps | |
| Deposit Growth (YoY) | 3.35% | 6.59% | 5.17% | 5.71% | 4.93% | 7.15% | 3.18% | 1.43% | -428 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 | 0.23% | 0.27% | 0.12% | 0.09% | 0.26% | 0.27% | 0.11% | 0.03% | -6 bps | |
| Allowance / Loans | 1.25% | 1.12% | 1.04% | 1.03% | 0.87% | 0.78% | 0.75% | 0.75% | -28 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 | 13.03% | 13.11% | 12.99% | 13.03% | 12.85% | 12.48% | 12.75% | 12.98% | -5 bps | |
| Equity / Assets | 7.30% | 7.46% | 7.36% | 7.74% | 7.47% | 7.20% | 7.46% | 7.49% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.32% | 62.45% | 63.56% | 65.75% | 63.62% | 61.96% | 64.52% | 67.50% | +175 bps | |
| Liquid Assets / Assets | 1.23% | 0.03% | 1.72% | 1.83% | 3.37% | 0.34% | 0.02% | 0.07% | -176 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |