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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 $0.0BQ4 2006Q3 2008
Deposit mix
75%Interest-bearing $21.8B25%Noninterest $7.3BQ4 2006Q3 2008

Executive Summary

  • Earnings: ROA of 0.92%, down 31 bps year over year; NIM at 2.13%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.71%.
  • Funding: loans stand at 133.36% of deposits as of Q3 2008.

Return on Assets (quarter, annualized)

0.92%-31 bps YoY

Net Interest Margin (quarter, annualized)

2.13%-123 bps YoY

Efficiency Ratio (quarter, annualized)

30.81%-3,223 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

6.41%Q3 ’066.53%Q3 ’073.59%Q3 ’08+7%-37%

Non-interest income vs. expense

2.05%Q3 ’062.38%Q3 ’071.18%Q3 ’08+94%-96%

Discrete quarter, annualized.

MetricQ4 2006Q1 2007Q2 2007Q3 2007Q4 2007Q1 2008Q2 2008Q3 2008YoY ΔTrend
Earnings
Return on Assets1.90%1.25%1.57%1.23%-3.26%-1.01%1.01%0.92%-31 bps
Return on Equity20.02%13.15%16.93%13.03%-21.80%-4.97%4.77%4.07%-896 bps
Net Interest Margin3.19%3.02%3.01%3.36%-5.65%2.39%2.26%2.13%-123 bps
Efficiency Ratio44.00%49.45%53.84%63.04%61.01%193.13%30.30%30.81%-3,223 bps
Non-Interest Burden0.04%0.95%0.60%1.96%-1.62%3.37%0.22%0.08%-188 bps
Growth
Asset Growth (YoY)2.68%-0.19%6.67%2.26%2.00%-5.27%-11.27%-13.23%-1,549 bps
Loan Growth (YoY)8.50%7.77%12.30%8.59%4.68%-4.38%-13.96%-18.37%-2,697 bps
Deposit Growth (YoY)-3.43%8.86%-6.39%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.19%0.09%0.19%0.21%-0.52%0.39%0.65%0.71%+50 bps
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital11.92%11.73%11.44%11.00%11.02%11.42%12.57%14.67%+368 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits131.18%118.57%139.94%131.31%145.06%140.00%140.99%133.36%+205 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a