PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cambridge Bank

Lake Zurich, IL · Cert 34161

FDIC

Q1 2008

$473.4MAssets
$296.3MLoans
$348.3MDeposits
$85.1MEquity
Loan mix
89%RE $195.5M11%C&I $23.1M0%Consumer $1.1MQ1 2007Q1 2008
Deposit mix
91%Interest-bearing $316.0M9%Noninterest $32.3MQ1 2007Q1 2008

NIM

6.39%Q1 ’066.26%Q1 ’075.51%Q1 ’08-9%-20%

Non-interest income vs. expense

2.23%Q1 ’061.90%Q1 ’071.92%Q1 ’08-14%+5%

Executive Summary

  • Earnings: ROA of 0.76%, down 50 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 85.08% of deposits as of Q1 2008.

Financial Results

Return on Assets (YTD, annualized)

0.76%-50 bps YoY

Net Interest Margin (YTD, annualized)

2.86%-73 bps YoY

Efficiency Ratio (YTD, annualized)

61.48%+1,294 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2007Q2 2007Q3 2007Q4 2007Q1 2008YoY ΔTrend
Earnings
Return on Assets1.27%1.23%1.19%0.92%0.76%-50 bps
Return on Equity6.33%6.24%6.06%4.71%4.14%-219 bps
Net Interest Margin3.59%3.39%3.22%2.98%2.86%-73 bps
Efficiency Ratio48.54%48.20%49.18%61.26%61.48%+1,294 bps
Non-Interest Burden1.58%1.47%1.42%1.70%1.66%+8 bps
Growth
Asset Growth (YoY)29.03%30.95%33.63%14.94%19.54%-949 bps
Loan Growth (YoY)12.23%19.93%16.93%25.43%23.34%+1,111 bps
Deposit Growth (YoY)14.11%16.87%17.64%10.36%16.91%+280 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.05%-0.02%0.05%0.07%-0.01%+4 bps
Allowance / Loans1.00%0.95%0.93%0.81%0.89%-11 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital11.50%10.53%11.46%10.29%10.92%-58 bps
Equity / Assets19.96%19.10%19.37%18.93%17.97%-199 bps
Liquidity & Funding
Loans / Deposits80.64%84.43%84.91%92.26%85.08%+444 bps
Liquid Assets / Assets0.02%0.04%0.05%0.04%0.07%+5 bps
CRE / Total Capitaln/an/an/an/an/an/an/a