Algonquin, IL · Cert 34027
FDIC
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 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.
Algonquin, IL · Cert 34027
FDIC
Q4 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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.36% | 1.45% | 1.45% | 1.46% | 0.77% | 0.82% | 0.92% | 1.07% | -39 bps | |
| Return on Equity | 22.83% | 23.64% | 23.45% | 23.71% | 12.50% | 12.92% | 14.53% | 16.56% | -715 bps | |
| Net Interest Margin | 3.51% | 3.51% | 3.44% | 3.52% | 3.17% | 3.07% | 2.97% | 2.96% | -56 bps | |
| Efficiency Ratio | 67.06% | 65.39% | 64.66% | 64.28% | 75.50% | 74.60% | 71.61% | 69.72% | +543 bps | |
| Non-Interest Burden | 1.86% | 1.80% | 1.73% | 1.77% | 2.06% | 1.96% | 1.77% | 1.70% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.87% | 17.32% | 16.96% | 18.53% | 11.14% | 11.31% | 10.91% | 0.98% | -1,755 bps | |
| Loan Growth (YoY) | 7.42% | 23.03% | 17.22% | 9.72% | 9.65% | 11.89% | 13.16% | 9.43% | -29 bps | |
| Deposit Growth (YoY) | 9.41% | 18.59% | 16.62% | 18.60% | 9.27% | 8.31% | 7.63% | -2.84% | -2,144 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 | 0.09% | 0.19% | 0.20% | 0.25% | 0.14% | 0.15% | 0.12% | 0.16% | -10 bps | |
| Allowance / Loans | 1.02% | 0.94% | 1.00% | 1.00% | 1.02% | 0.95% | 1.02% | 1.00% | 0 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 | 10.64% | 10.52% | 10.59% | 10.75% | 10.51% | 10.65% | 10.75% | 11.13% | +38 bps | |
| Equity / Assets | 6.08% | 6.51% | 6.30% | 6.02% | 6.36% | 6.58% | 6.49% | 6.88% | +86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.46% | 96.66% | 93.30% | 84.73% | 94.79% | 99.86% | 98.09% | 95.44% | +1,070 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | 0.02% | 0.01% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |