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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

5.41%Q3 ’084.42%Q3 ’094.27%Q3 ’10-19%+24%

Non-interest income vs. expense

3.43%Q3 ’084.35%Q3 ’095.04%Q3 ’10+25%+17%

Executive Summary

  • Earnings: ROA of -1.62%, down 46 bps year over year; NIM at 2.75%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.75%.
  • Funding: loans stand at 82.73% of deposits as of Q3 2010.

Financial Results

Return on Assets (quarter, annualized)

-1.62%-46 bps YoY

Net Interest Margin (quarter, annualized)

2.75%+54 bps YoY

Efficiency Ratio (quarter, annualized)

152.75%-699 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2009Q4 2009Q1 2010Q2 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets-1.16%-4.61%-1.98%-1.30%-1.62%-46 bps
Return on Equity-25.88%-121.20%-63.58%-44.79%-59.19%-3,331 bps
Net Interest Margin2.21%2.18%2.18%2.46%2.75%+54 bps
Efficiency Ratio159.74%172.95%137.07%135.09%152.75%-699 bps
Non-Interest Burden3.84%4.23%3.24%3.58%4.49%+65 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 / Loans0.03%2.13%0.38%0.47%0.75%+71 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