Oak Lawn, IL · Cert 35272
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.
Oak Lawn, IL · Cert 35272
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 | 0.40% | 0.46% | 0.62% | 0.64% | 0.69% | 0.70% | 0.48% | 0.51% | -13 bps | |
| Return on Equity | 4.74% | 5.46% | 7.54% | 7.72% | 8.29% | 8.33% | 5.63% | 6.02% | -170 bps | |
| Net Interest Margin | 3.16% | 3.19% | 3.40% | 3.41% | 3.38% | 3.42% | 3.27% | 3.16% | -25 bps | |
| Efficiency Ratio | 78.25% | 76.10% | 69.72% | 68.96% | 68.08% | 70.31% | 79.69% | 78.47% | +951 bps | |
| Non-Interest Burden | 2.41% | 2.36% | 2.28% | 2.27% | 2.22% | 2.32% | 2.56% | 2.43% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.45% | 14.85% | 9.10% | 6.27% | 2.26% | -2.76% | 6.04% | 6.57% | +29 bps | |
| Loan Growth (YoY) | 11.53% | 6.47% | 7.85% | -4.53% | -6.45% | -4.84% | -8.06% | -2.85% | +168 bps | |
| Deposit Growth (YoY) | 10.88% | 15.75% | 9.47% | 6.14% | 1.84% | -5.10% | 2.92% | 2.42% | -372 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 | 0.01% | 0.00% | 0.00% | -0.01% | -0.01% | 0.00% | -0.01% | 0.33% | +34 bps | |
| Allowance / Loans | 1.15% | 1.26% | 1.28% | 1.41% | 1.48% | 1.38% | 1.38% | 1.21% | -21 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 | 11.34% | 11.48% | 11.76% | 12.37% | 12.79% | 13.38% | 13.36% | 13.20% | +83 bps | |
| Equity / Assets | 8.17% | 8.00% | 8.44% | 8.31% | 8.49% | 8.72% | 8.48% | 8.15% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.80% | 73.78% | 80.45% | 73.32% | 72.38% | 73.98% | 71.87% | 69.54% | -378 bps | |
| Liquid Assets / Assets | 5.36% | 5.19% | 4.67% | 4.47% | 4.49% | 4.57% | 4.40% | 4.20% | -28 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |