North Barrington, IL · Cert 34750
FDIC
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 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.
North Barrington, IL · Cert 34750
FDIC
Q2 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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.64% | 0.70% | 0.72% | 0.79% | 0.85% | 0.92% | 0.88% | +17 bps | |
| Return on Equity | 7.47% | 7.98% | 8.79% | 8.99% | 9.70% | 10.40% | 10.87% | 10.39% | +140 bps | |
| Net Interest Margin | 3.05% | 3.01% | 3.44% | 3.36% | 3.41% | 3.44% | 3.62% | 3.57% | +21 bps | |
| Efficiency Ratio | 70.83% | 69.37% | 67.99% | 67.50% | 66.38% | 64.95% | 64.46% | 65.87% | -163 bps | |
| Non-Interest Burden | 2.07% | 2.00% | 2.24% | 2.16% | 2.15% | 2.11% | 2.23% | 2.24% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.75% | 15.50% | 11.02% | 11.60% | 5.73% | 2.75% | 8.28% | 2.64% | -896 bps | |
| Loan Growth (YoY) | 15.06% | 14.84% | 8.51% | 6.32% | 7.99% | 2.57% | 5.83% | 10.71% | +439 bps | |
| Deposit Growth (YoY) | 12.39% | 17.74% | 11.31% | 11.21% | 4.79% | 1.64% | 8.03% | 2.23% | -898 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 | 0.04% | 0.05% | -0.03% | -0.02% | -0.01% | -0.01% | 0.00% | 0.00% | +2 bps | |
| Allowance / Loans | 1.42% | 1.30% | 1.38% | 1.46% | 1.40% | 1.35% | 1.34% | 1.32% | -14 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 | 10.40% | 9.93% | 10.55% | 10.94% | 10.85% | 11.33% | 10.92% | 10.39% | -56 bps | |
| Equity / Assets | 7.95% | 7.78% | 8.05% | 8.14% | 8.47% | 8.53% | 8.38% | 8.63% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.44% | 85.18% | 83.81% | 78.69% | 83.93% | 85.96% | 82.10% | 85.21% | +652 bps | |
| Liquid Assets / Assets | 0.04% | 0.04% | 0.04% | 2.71% | 1.09% | 0.69% | 2.60% | 0.04% | -268 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |