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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

4.98%Q4 ’045.70%Q4 ’056.38%Q4 ’06-9%+1%

Non-interest income vs. expense

2.21%Q4 ’042.79%Q4 ’052.91%Q4 ’06+14%+3%

Executive Summary

  • Earnings: ROA of 0.37%, unchanged from a year ago; NIM at 2.79%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.02%.
  • Funding: loans stand at 83.07% of deposits as of Q4 2006.

Financial Results

Return on Assets (quarter, annualized)

0.37%0 bps YoY

Net Interest Margin (quarter, annualized)

2.79%+3 bps YoY

Efficiency Ratio (quarter, annualized)

84.63%+138 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets0.37%0.66%0.72%0.65%0.37%0 bps
Return on Equity4.32%7.50%7.78%6.67%3.68%-64 bps
Net Interest Margin2.76%2.77%2.67%2.82%2.79%+3 bps
Efficiency Ratio83.25%76.40%70.88%71.80%84.63%+138 bps
Non-Interest Burden2.20%1.98%1.69%1.85%2.27%+7 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 / Loans-0.40%0.03%0.13%0.00%-0.02%+38 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