PackageTrendsPeer
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Cosmopolitan Bank and Trust

Chicago, IL · Cert 33406

FDIC

Q4 2005

$429.9MAssets
$342.0MLoans
$372.5MDeposits
$49.3MEquity
Loan mix
74%RE $64.9M26%C&I $22.8M0%Consumer $0.1MQ1 2004Q4 2005
Deposit mix
86%Interest-bearing $318.7M14%Noninterest $53.8MQ1 2004Q4 2005

Executive Summary

  • Earnings: ROA of 1.92%, down 24 bps year over year; NIM at 4.42%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.08%.
  • Funding: loans stand at 91.82% of deposits as of Q4 2005.

Return on Assets (YTD, annualized)

1.92%-24 bps YoY

Net Interest Margin (YTD, annualized)

4.42%-65 bps YoY

Efficiency Ratio (YTD, annualized)

41.27%-90 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

6.49%Q4 ’036.42%Q4 ’046.68%Q4 ’05+3%-13%

Non-interest income vs. expense

2.80%Q4 ’032.54%Q4 ’042.18%Q4 ’05-9%-16%

Year to date, annualized, through each quarter.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets2.17%2.09%2.22%2.17%1.77%1.87%1.85%1.92%-24 bps
Return on Equity19.39%18.44%19.19%18.64%15.03%15.62%15.68%16.42%-222 bps
Net Interest Margin5.39%5.26%5.22%5.07%4.60%4.59%4.51%4.42%-65 bps
Efficiency Ratio41.82%43.38%41.46%42.17%46.12%44.28%43.51%41.27%-90 bps
Non-Interest Burden1.80%1.84%1.63%1.63%1.71%1.62%1.53%1.36%-26 bps
Growth
Asset Growth (YoY)13.22%9.42%12.23%12.20%11.81%10.72%11.36%8.07%-413 bps
Loan Growth (YoY)26.93%12.01%22.31%8.02%7.15%6.93%8.05%9.71%+169 bps
Deposit Growth (YoY)12.01%11.18%11.40%6.34%4.08%5.48%8.36%12.05%+571 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.03%0.02%0.02%0.00%0.00%0.10%0.08%+6 bps
Allowance / Loans1.07%1.09%1.06%1.04%0.99%1.02%0.91%0.87%-17 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital11.89%12.74%12.97%12.21%11.98%12.46%11.43%11.75%-46 bps
Equity / Assets11.25%11.56%12.18%11.91%11.63%12.31%11.28%11.46%-45 bps
Liquidity & Funding
Loans / Deposits94.30%91.44%93.52%93.78%97.09%92.70%93.26%91.82%-196 bps
Liquid Assets / Assets0.85%0.85%0.85%2.15%2.04%3.51%0.84%0.79%-136 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a