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Hyde Park Bank & Trust Company

Chicago, IL · Cert 10448

FDIC

Q3 2012

$392.2MAssets
$131.1MLoans
$244.1MDeposits
$35.5MEquity
Loan mix
94%RE $101.2M6%C&I $6.4M0%Consumer $0.3MQ3 2011Q3 2012
Deposit mix
76%Interest-bearing $186.4M24%Noninterest $57.7MQ3 2011Q3 2012

NIM

3.90%Q3 ’103.69%Q3 ’113.28%Q3 ’12-4%-10%

Non-interest income vs. expense

2.18%Q3 ’103.11%Q3 ’112.36%Q3 ’12+12%-29%

Executive Summary

  • Earnings: ROA of 0.20%, down 10 bps year over year; NIM at 2.23%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.27%.
  • Funding: loans stand at 53.70% of deposits as of Q3 2012.

Financial Results

Return on Assets (quarter, annualized)

0.20%-10 bps YoY

Net Interest Margin (quarter, annualized)

2.23%-26 bps YoY

Efficiency Ratio (quarter, annualized)

94.55%-2,253 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.29%10.38%10.48%10.62%10.20%-10 bps
Return on Equity3.45%4.50%5.82%7.42%2.26%-119 bps
Net Interest Margin2.49%2.38%2.31%2.33%2.23%-26 bps
Efficiency Ratio117.09%49.08%91.12%82.34%94.55%-2,253 bps
Non-Interest Burden2.94%1.08%2.08%1.86%2.09%-85 bps
Growth
Asset Growth (YoY)-5.03%7.24%-1.19%-3.29%-0.66%+437 bps
Loan Growth (YoY)-0.62%-6.37%-7.00%-8.70%-7.56%-694 bps
Deposit Growth (YoY)-1.85%2.01%4.23%2.28%4.26%+611 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.43%3.68%0.37%-0.13%0.27%-315 bps
Allowance / Loans1.34%1.39%1.81%1.85%1.75%+41 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 Capital15.34%14.86%15.41%14.81%14.58%-76 bps
Equity / Assets8.64%8.28%8.05%8.60%9.05%+41 bps
Liquidity & Funding
Loans / Deposits60.56%57.11%56.86%55.70%53.70%-686 bps
Liquid Assets / Assets1.41%3.69%0.89%1.20%2.36%+95 bps
CRE / Total Capitaln/an/an/an/an/an/an/a