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Bloomingdale Bank and Trust

Bloomingdale, IL · Cert 33481

FDIC

Q3 2006

$462.6MAssets
$359.2MLoans
$388.5MDeposits
$40.8MEquity
Loan mix
19%RE $33.8M81%C&I $148.1M0%Consumer $0.0MQ4 2004Q3 2006
Deposit mix
90%Interest-bearing $348.0M10%Noninterest $40.5MQ4 2004Q3 2006

Executive Summary

  • Earnings: ROA of 0.94%, down 4 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 92.47% of deposits as of Q3 2006.

Return on Assets (quarter, annualized)

0.94%-4 bps YoY

Net Interest Margin (quarter, annualized)

3.11%-28 bps YoY

Efficiency Ratio (quarter, annualized)

54.74%+128 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.94%Q3 ’045.86%Q3 ’056.67%Q3 ’06+5%-8%

Non-interest income vs. expense

1.93%Q3 ’041.86%Q3 ’051.75%Q3 ’06-1%-6%

Discrete quarter, annualized.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets1.59%0.94%0.98%0.98%1.02%0.93%0.95%0.94%-4 bps
Return on Equity17.48%10.48%11.24%11.41%11.85%10.45%10.73%10.77%-64 bps
Net Interest Margin3.38%3.41%3.35%3.39%3.36%3.32%3.24%3.11%-28 bps
Efficiency Ratio41.59%55.99%53.63%53.46%55.73%55.91%55.64%54.74%+128 bps
Non-Interest Burden0.79%1.86%1.75%1.77%1.83%1.83%1.77%1.67%-11 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 / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%0.17%0.01%0.74%0.00%0.01%0.08%0.01%-73 bps
Allowance / Loans1.41%1.42%1.42%1.25%1.30%1.37%1.29%1.34%+8 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 Capital11.78%11.54%11.37%11.32%11.54%11.57%11.04%11.30%-3 bps
Equity / Assets9.12%8.76%8.60%8.60%8.67%9.06%8.63%8.82%+21 bps
Liquidity & Funding
Loans / Deposits94.54%91.21%90.43%92.45%92.10%93.97%95.20%92.47%+2 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a