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Letter portraitLegal landscapeQuarterYTD

Lasalle Bank National Association

Chicago, IL · Cert 15407

FDIC

Q3 2008

$63.4BAssets
$38.9BLoans
$29.1BDeposits
$14.9BEquity
Loan mix
52%RE $18.8B48%C&I $17.4B0%Consumer $0.0BQ3 2007Q3 2008
Deposit mix
75%Interest-bearing $21.8B25%Noninterest $7.3BQ3 2007Q3 2008

NIM

6.31%Q3 ’066.50%Q3 ’074.27%Q3 ’08+5%-24%

Non-interest income vs. expense

2.22%Q3 ’062.42%Q3 ’071.50%Q3 ’08+15%+18%

Executive Summary

  • Earnings: ROA of 0.28%, down 108 bps year over year; NIM at 2.41%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.62%.
  • Funding: loans stand at 133.36% of deposits as of Q3 2008.

Financial Results

Return on Assets (YTD, annualized)

0.28%-108 bps YoY

Net Interest Margin (YTD, annualized)

2.41%-74 bps YoY

Efficiency Ratio (YTD, annualized)

52.10%-301 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2007Q4 2007Q1 2008Q2 2008Q3 2008YoY ΔTrend
Earnings
Return on Assets1.36%0.21%-1.01%-0.02%0.28%-108 bps
Return on Equity14.37%1.84%-4.97%-0.10%1.29%-1,308 bps
Net Interest Margin3.15%0.67%2.39%2.43%2.41%-74 bps
Efficiency Ratio55.11%56.31%193.13%67.95%52.10%-301 bps
Non-Interest Burden1.17%0.37%3.37%1.94%1.38%+21 bps
Growth
Asset Growth (YoY)2.26%2.00%-5.27%-11.27%-13.23%-1,549 bps
Loan Growth (YoY)8.59%4.68%-4.38%-13.96%-18.37%-2,697 bps
Deposit Growth (YoY)9.30%-5.34%-19.01%-14.60%-19.63%-2,892 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.16%0.00%0.39%0.53%0.62%+45 bps
Allowance / Loansn/an/an/an/an/an/an/a
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 Capital11.00%11.02%11.42%12.57%14.67%+368 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits131.31%145.06%140.00%140.99%133.36%+205 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a