Lisle, IL · Cert 35433
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.
Lisle, IL · Cert 35433
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 | 0.72% | 0.52% | 0.44% | 0.42% | 0.66% | 0.69% | 0.68% | 0.60% | +18 bps | |
| Return on Equity | 8.42% | 6.08% | 5.14% | 4.94% | 7.50% | 7.64% | 7.30% | 6.39% | +145 bps | |
| Net Interest Margin | 3.24% | 3.11% | 2.99% | 2.92% | 2.77% | 2.75% | 2.89% | 2.88% | -4 bps | |
| Efficiency Ratio | 71.30% | 70.49% | 72.81% | 75.37% | 76.40% | 73.67% | 73.07% | 75.85% | +48 bps | |
| Non-Interest Burden | 2.24% | 2.08% | 2.05% | 2.08% | 1.98% | 1.86% | 1.94% | 2.03% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.70% | 6.02% | 3.58% | 3.99% | 0.46% | -4.06% | -8.90% | -9.56% | -1,355 bps | |
| Loan Growth (YoY) | 11.51% | 9.95% | 4.95% | 14.31% | -2.00% | -8.02% | -7.18% | -8.81% | -2,313 bps | |
| Deposit Growth (YoY) | 9.63% | 4.37% | 3.30% | 1.86% | 0.80% | -4.37% | -6.37% | -8.25% | -1,011 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 | 0.00% | 0.41% | 0.49% | 0.25% | 0.03% | 0.08% | 0.06% | 0.03% | -22 bps | |
| Allowance / Loans | 1.20% | 1.20% | 1.20% | 1.20% | 1.28% | 1.28% | 1.28% | 1.25% | +5 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 | 11.88% | 11.79% | 11.96% | 11.69% | 12.74% | 12.97% | 13.73% | 13.17% | +149 bps | |
| Equity / Assets | 8.64% | 8.50% | 8.82% | 8.52% | 9.11% | 9.36% | 10.28% | 9.96% | +144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.17% | 81.49% | 80.89% | 83.58% | 77.95% | 78.38% | 80.19% | 83.07% | -51 bps | |
| Liquid Assets / Assets | 8.12% | 8.69% | 8.45% | 7.58% | 7.83% | 7.79% | 8.20% | 7.56% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |