Bloomingdale, IL · Cert 33481
FDIC
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 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.
Bloomingdale, IL · Cert 33481
FDIC
Q3 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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 0.94% | 0.95% | 0.97% | 0.98% | 0.93% | 0.93% | 0.94% | -3 bps | |
| Return on Equity | 11.10% | 10.48% | 10.82% | 11.01% | 11.22% | 10.45% | 10.60% | 10.65% | -37 bps | |
| Net Interest Margin | 3.10% | 3.41% | 3.34% | 3.30% | 3.33% | 3.32% | 3.27% | 3.15% | -15 bps | |
| Efficiency Ratio | 49.67% | 55.99% | 54.81% | 54.35% | 54.70% | 55.91% | 55.78% | 55.44% | +109 bps | |
| Non-Interest Burden | 1.30% | 1.86% | 1.78% | 1.75% | 1.78% | 1.83% | 1.79% | 1.72% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.82% | 7.90% | 10.13% | 8.31% | 6.48% | 1.63% | 3.66% | 2.39% | -592 bps | |
| Loan Growth (YoY) | 10.09% | 7.41% | 6.69% | 6.15% | 3.60% | 0.92% | 5.47% | 1.76% | -439 bps | |
| Deposit Growth (YoY) | 10.22% | 9.74% | 11.67% | 7.63% | 6.34% | -2.04% | 0.18% | 1.74% | -589 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 | 0.42% | 0.17% | 0.09% | 0.30% | 0.23% | 0.01% | 0.04% | 0.03% | -27 bps | |
| Allowance / Loans | 1.41% | 1.42% | 1.42% | 1.25% | 1.30% | 1.37% | 1.29% | 1.34% | +8 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 | 11.78% | 11.54% | 11.37% | 11.32% | 11.54% | 11.57% | 11.04% | 11.30% | -3 bps | |
| Equity / Assets | 9.12% | 8.76% | 8.60% | 8.60% | 8.67% | 9.06% | 8.63% | 8.82% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.54% | 91.21% | 90.43% | 92.45% | 92.10% | 93.97% | 95.20% | 92.47% | +2 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |