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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 $1.9MQ1 2011Q4 2012
Deposit mix
85%Interest-bearing $137.6M15%Noninterest $24.0MQ1 2011Q4 2012

Executive Summary

  • Earnings: ROA of -0.40%, down 124 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 3.15%.
  • Funding: loans stand at 88.61% of deposits as of Q4 2012.

Return on Assets (quarter, annualized)

-0.40%-124 bps YoY

Net Interest Margin (quarter, annualized)

3.60%-27 bps YoY

Efficiency Ratio (quarter, annualized)

65.16%+1,228 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

5.06%Q4 ’104.75%Q4 ’114.26%Q4 ’12+0%-7%

Non-interest income vs. expense

2.17%Q4 ’102.08%Q4 ’112.40%Q4 ’12-4%+15%

Discrete quarter, annualized.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets0.73%0.72%0.82%0.85%0.70%0.70%0.71%-0.40%-124 bps
Return on Equity6.10%6.25%7.16%7.21%6.02%6.18%6.22%-3.49%-1,070 bps
Net Interest Margin3.92%3.73%3.66%3.87%3.65%3.53%3.56%3.60%-27 bps
Efficiency Ratio57.71%58.62%53.97%52.88%56.03%55.80%57.81%65.16%+1,228 bps
Non-Interest Burden2.23%2.15%1.90%2.02%2.02%1.93%2.01%2.32%+30 bps
Growth
Asset Growth (YoY)18.18%16.21%12.00%9.95%14.56%8.35%8.74%11.71%+175 bps
Loan Growth (YoY)15.69%10.35%6.76%2.68%6.10%3.05%5.20%13.95%+1,127 bps
Deposit Growth (YoY)20.06%16.58%11.39%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.32%0.00%0.00%0.00%0.07%2.03%0.00%3.15%+315 bps
Allowance / Loans2.11%2.19%2.25%2.48%2.52%2.20%2.26%2.05%-44 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital15.16%14.74%14.41%15.30%13.80%13.90%13.75%13.90%-140 bps
Equity / Assets11.82%11.39%11.49%11.96%11.24%11.41%11.45%11.27%-69 bps
Liquidity & Funding
Loans / Deposits91.14%87.45%88.88%87.29%84.83%83.60%86.05%88.61%+132 bps
Liquid Assets / Assets5.68%7.00%6.37%3.97%3.99%2.44%3.01%2.33%-164 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a