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Burr Ridge Bank and Trust

Burr Ridge, IL · Cert 58846

FDIC

Q4 2012

$185.4MAssets
$143.2MLoans
$161.6MDeposits
$20.9MEquity
Loan mix
55%RE $60.5M43%C&I $46.7M2%Consumer $1.9MQ4 2011Q4 2012
Deposit mix
85%Interest-bearing $137.6M15%Noninterest $24.0MQ4 2011Q4 2012

NIM

4.68%Q4 ’104.70%Q4 ’114.18%Q4 ’12+9%-7%

Non-interest income vs. expense

2.16%Q4 ’102.12%Q4 ’112.08%Q4 ’12-4%-1%

Executive Summary

  • Earnings: ROA of 0.42%, down 36 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.27%.
  • Funding: loans stand at 88.61% of deposits as of Q4 2012.

Financial Results

Return on Assets (YTD, annualized)

0.42%-36 bps YoY

Net Interest Margin (YTD, annualized)

3.46%-25 bps YoY

Efficiency Ratio (YTD, annualized)

58.80%+305 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets0.79%0.70%0.70%0.71%0.42%-36 bps
Return on Equity6.69%6.02%6.10%6.14%3.69%-300 bps
Net Interest Margin3.71%3.65%3.52%3.49%3.46%-25 bps
Efficiency Ratio55.75%56.03%55.91%56.56%58.80%+305 bps
Non-Interest Burden2.02%2.02%1.94%1.93%2.00%-3 bps
Growth
Asset Growth (YoY)9.95%14.56%8.35%8.74%11.71%+175 bps
Loan Growth (YoY)2.68%6.10%3.05%5.20%13.95%+1,127 bps
Deposit Growth (YoY)9.69%14.01%7.79%8.66%12.26%+257 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.08%0.07%1.05%0.67%1.27%+119 bps
Allowance / Loans2.48%2.52%2.20%2.26%2.05%-44 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 Capital15.30%13.80%13.90%13.75%13.90%-140 bps
Equity / Assets11.96%11.24%11.41%11.45%11.27%-69 bps
Liquidity & Funding
Loans / Deposits87.29%84.83%83.60%86.05%88.61%+132 bps
Liquid Assets / Assets3.97%3.99%2.44%3.01%2.33%-164 bps
CRE / Total Capitaln/an/an/an/an/an/an/a