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Letter portraitLegal landscapeQuarterYTD

Castle Bank, National Association

Dekalb, IL · Cert 13908

FDIC

Q2 2010

$1.1BAssets
$630.6MLoans
$875.4MDeposits
$178.7MEquity
Loan mix
85%RE $393.6M15%C&I $67.3M0%Consumer $0.3MQ2 2009Q2 2010
Deposit mix
86%Interest-bearing $754.8M14%Noninterest $120.6MQ2 2009Q2 2010

NIM

5.28%Q2 ’084.35%Q2 ’094.03%Q2 ’100%+14%

Non-interest income vs. expense

3.04%Q2 ’083.34%Q2 ’093.48%Q2 ’10+10%+20%

Executive Summary

  • Earnings: ROA of -0.04%, down 15 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.99%.
  • Funding: loans stand at 72.04% of deposits as of Q2 2010.

Financial Results

Return on Assets (YTD, annualized)

-0.04%-15 bps YoY

Net Interest Margin (YTD, annualized)

3.35%+41 bps YoY

Efficiency Ratio (YTD, annualized)

78.40%+77 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q2 2010YoY ΔTrend
Earnings
Return on Assets0.10%1-0.52%-0.43%0.23%1-0.04%-15 bps
Return on Equity0.64%-3.23%-2.67%1.37%-0.26%-90 bps
Net Interest Margin2.94%3.20%3.36%3.27%3.35%+41 bps
Efficiency Ratio77.63%74.67%74.39%79.54%78.40%+77 bps
Non-Interest Burden2.18%2.24%2.35%2.62%2.62%+44 bps
Growth
Asset Growth (YoY)-12.35%-15.65%-14.62%-15.14%-9.13%+322 bps
Loan Growth (YoY)-17.20%-19.60%-22.50%-23.31%-19.92%-272 bps
Deposit Growth (YoY)-13.91%-16.70%-15.61%-16.99%-9.29%+462 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.82%2.44%2.53%3.50%2.99%+117 bps
Allowance / Loans1.98%3.01%3.11%2.74%2.88%+90 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 Capital14.53%13.94%14.74%15.02%15.47%+94 bps
Equity / Assets16.50%16.35%16.86%17.15%16.88%+39 bps
Liquidity & Funding
Loans / Deposits81.61%80.71%78.89%76.92%72.04%-957 bps
Liquid Assets / Assets11.76%8.70%0.56%0.02%2.92%-884 bps
CRE / Total Capitaln/an/an/an/an/an/an/a