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First Suburban National Bank

Maywood, IL · Cert 16089

FDIC

Q3 2010

$143.5MAssets
$112.1MLoans
$135.5MDeposits
$3.7MEquity
Loan mix
78%RE $76.7M21%C&I $20.4M2%Consumer $1.7MQ3 2009Q3 2010
Deposit mix
90%Interest-bearing $121.3M10%Noninterest $14.2MQ3 2009Q3 2010

NIM

5.73%Q3 ’084.62%Q3 ’094.46%Q3 ’10-14%+15%

Non-interest income vs. expense

3.85%Q3 ’084.12%Q3 ’094.71%Q3 ’10+3%+11%

Executive Summary

  • Earnings: ROA of -1.64%, down 44 bps year over year; NIM at 2.63%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.54%.
  • Funding: loans stand at 82.73% of deposits as of Q3 2010.

Financial Results

Return on Assets (YTD, annualized)

-1.64%-44 bps YoY

Net Interest Margin (YTD, annualized)

2.63%+33 bps YoY

Efficiency Ratio (YTD, annualized)

141.58%-503 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2009Q4 2009Q1 2010Q2 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets-1.20%-2.03%-1.98%-1.66%-1.64%-44 bps
Return on Equity-24.85%-44.68%-63.58%-54.75%-55.89%-3,103 bps
Net Interest Margin2.29%2.30%2.18%2.42%2.63%+33 bps
Efficiency Ratio146.61%153.09%137.07%136.07%141.58%-503 bps
Non-Interest Burden3.60%3.81%3.24%3.55%4.01%+41 bps
Growth
Asset Growth (YoY)-2.33%-8.34%-8.95%-18.02%-19.46%-1,712 bps
Loan Growth (YoY)-12.59%-12.65%-15.06%-16.80%-11.71%+88 bps
Deposit Growth (YoY)2.77%-3.70%-7.22%-16.41%-18.22%-2,099 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.58%0.98%0.38%0.43%0.54%-5 bps
Allowance / Loans1.36%1.74%2.16%2.33%2.15%+79 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 Capital7.57%5.82%5.20%5.07%4.38%-318 bps
Equity / Assets4.31%3.27%2.94%2.86%2.61%-170 bps
Liquidity & Funding
Loans / Deposits76.63%77.21%73.54%80.21%82.73%+610 bps
Liquid Assets / Assets10.37%8.96%15.57%8.01%6.77%-360 bps
CRE / Total Capitaln/an/an/an/an/an/an/a