PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 3 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 92.47% of deposits as of Q3 2006.

Return on Assets (YTD, annualized)

0.94%-3 bps YoY

Net Interest Margin (YTD, annualized)

3.15%-15 bps YoY

Efficiency Ratio (YTD, annualized)

55.44%+109 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.76%Q3 ’045.40%Q3 ’056.27%Q3 ’06+7%-5%

Non-interest income vs. expense

1.80%Q3 ’041.85%Q3 ’051.79%Q3 ’06+17%-2%

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets1.01%0.94%0.95%0.97%0.98%0.93%0.93%0.94%-3 bps
Return on Equity11.10%10.48%10.82%11.01%11.22%10.45%10.60%10.65%-37 bps
Net Interest Margin3.10%3.41%3.34%3.30%3.33%3.32%3.27%3.15%-15 bps
Efficiency Ratio49.67%55.99%54.81%54.35%54.70%55.91%55.78%55.44%+109 bps
Non-Interest Burden1.30%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 / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.42%0.17%0.09%0.30%0.23%0.01%0.04%0.03%-27 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