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Golden State Bank

Golden, IL · Cert 10468

FDIC

Q2 2006

$23.0MAssets
$12.3MLoans
$20.4MDeposits
$1.5MEquity
Deposit mix
89%Interest-bearing $18.0M11%Noninterest $2.3MQ2 2005Q2 2006

NIM

4.42%Q2 ’044.86%Q2 ’055.61%Q2 ’06+12%+3%

Non-interest income vs. expense

1.85%Q2 ’041.83%Q2 ’052.13%Q2 ’06+2%+14%

Executive Summary

  • Earnings: ROA of 0.98%, down 11 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.15%.
  • Funding: loans stand at 60.42% of deposits as of Q2 2006.

Financial Results

Return on Assets (YTD, annualized)

0.98%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.34%+11 bps YoY

Efficiency Ratio (YTD, annualized)

58.37%+570 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets1.09%1.03%1.05%0.99%0.98%-11 bps
Return on Equity14.31%13.46%13.89%13.50%13.93%-39 bps
Net Interest Margin3.23%3.28%3.33%3.21%3.34%+11 bps
Efficiency Ratio52.68%55.19%54.57%57.80%58.37%+570 bps
Non-Interest Burden1.59%1.70%1.70%1.73%1.82%+23 bps
Growth
Asset Growth (YoY)1.52%-3.72%-2.67%-7.28%-13.77%-1,529 bps
Loan Growth (YoY)4.42%-3.58%-5.99%-7.79%-13.84%-1,826 bps
Deposit Growth (YoY)-2.90%-1.06%-5.82%-6.99%-11.30%-840 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%-0.01%-0.01%-0.03%0.15%+13 bps
Allowance / Loans0.75%0.80%0.81%0.84%0.81%+6 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 Capital12.26%12.82%12.20%13.05%11.31%-95 bps
Equity / Assets7.43%7.84%7.11%7.57%6.31%-113 bps
Liquidity & Funding
Loans / Deposits62.21%60.55%59.42%58.60%60.42%-178 bps
Liquid Assets / Assets3.02%2.94%2.73%2.71%2.70%-32 bps
CRE / Total Capitaln/an/an/an/an/an/an/a