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United Community Bank of Lisle

Lisle, IL · Cert 35433

FDIC

Q4 2006

$243.6MAssets
$161.4MLoans
$194.3MDeposits
$24.3MEquity
Loan mix
39%RE $17.7M61%C&I $27.7M0%Consumer $0.1MQ4 2005Q4 2006
Deposit mix
89%Interest-bearing $173.3M11%Noninterest $21.0MQ4 2005Q4 2006

NIM

4.52%Q4 ’045.46%Q4 ’056.41%Q4 ’06+2%-2%

Non-interest income vs. expense

2.17%Q4 ’042.58%Q4 ’052.71%Q4 ’06+9%-3%

Executive Summary

  • Earnings: ROA of 0.60%, up 18 bps year over year; NIM at 2.88%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 83.07% of deposits as of Q4 2006.

Financial Results

Return on Assets (YTD, annualized)

0.60%+18 bps YoY

Net Interest Margin (YTD, annualized)

2.88%-4 bps YoY

Efficiency Ratio (YTD, annualized)

75.85%+48 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets0.42%0.66%0.69%0.68%0.60%+18 bps
Return on Equity4.94%7.50%7.64%7.30%6.39%+145 bps
Net Interest Margin2.92%2.77%2.75%2.89%2.88%-4 bps
Efficiency Ratio75.37%76.40%73.67%73.07%75.85%+48 bps
Non-Interest Burden2.08%1.98%1.86%1.94%2.03%-5 bps
Growth
Asset Growth (YoY)3.99%0.46%-4.06%-8.90%-9.56%-1,355 bps
Loan Growth (YoY)14.31%-2.00%-8.02%-7.18%-8.81%-2,313 bps
Deposit Growth (YoY)1.86%0.80%-4.37%-6.37%-8.25%-1,011 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.25%0.03%0.08%0.06%0.03%-22 bps
Allowance / Loans1.20%1.28%1.28%1.28%1.25%+5 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 Capital11.69%12.74%12.97%13.73%13.17%+149 bps
Equity / Assets8.52%9.11%9.36%10.28%9.96%+144 bps
Liquidity & Funding
Loans / Deposits83.58%77.95%78.38%80.19%83.07%-51 bps
Liquid Assets / Assets7.58%7.83%7.79%8.20%7.56%-2 bps
CRE / Total Capitaln/an/an/an/an/an/an/a