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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

5.14%Q2 ’084.21%Q2 ’094.08%Q2 ’10-4%+17%

Non-interest income vs. expense

3.15%Q2 ’083.44%Q2 ’093.54%Q2 ’10+15%+12%

Executive Summary

  • Earnings: ROA of -0.32%, down 3 bps year over year; NIM at 3.42%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.36%.
  • Funding: loans stand at 72.04% of deposits as of Q2 2010.

Financial Results

Return on Assets (quarter, annualized)

-0.32%-3 bps YoY

Net Interest Margin (quarter, annualized)

3.42%+49 bps YoY

Efficiency Ratio (quarter, annualized)

77.33%-398 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q2 2010YoY ΔTrend
Earnings
Return on Assets-0.30%-1.85%-0.15%0.23%1-0.32%-3 bps
Return on Equity-1.83%-11.26%-0.91%1.37%-1.88%-5 bps
Net Interest Margin2.93%3.36%3.37%3.27%3.42%+49 bps
Efficiency Ratio81.31%69.10%73.53%79.54%77.33%-398 bps
Non-Interest Burden2.34%2.11%2.34%2.62%2.62%+28 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 / Loans2.33%3.38%2.40%3.50%2.36%+2 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