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First State Bank of Round Lake

Round Lake Beach, IL · Cert 16884

FDIC

Q3 2005

$135.1MAssets
$65.4MLoans
$110.8MDeposits
$22.0MEquity
Loan mix
82%RE $23.3M18%C&I $5.2M0%Consumer $0.0MQ3 2004Q3 2005
Deposit mix
90%Interest-bearing $99.6M10%Noninterest $11.3MQ3 2004Q3 2005

NIM

4.31%Q3 ’033.74%Q3 ’044.12%Q3 ’05-5%-14%

Non-interest income vs. expense

3.42%Q3 ’032.89%Q3 ’042.27%Q3 ’05-13%-27%

Executive Summary

  • Earnings: ROA of 0.61%, up 8 bps year over year; NIM at 2.58%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 59.03% of deposits as of Q3 2005.

Financial Results

Return on Assets (quarter, annualized)

0.61%+8 bps YoY

Net Interest Margin (quarter, annualized)

2.58%-44 bps YoY

Efficiency Ratio (quarter, annualized)

61.24%-968 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets0.53%0.56%1.34%0.67%0.61%+8 bps
Return on Equity3.25%3.40%7.98%4.04%3.76%+51 bps
Net Interest Margin3.01%3.04%3.91%2.93%2.58%-44 bps
Efficiency Ratio70.93%68.59%43.78%60.44%61.24%-968 bps
Non-Interest Burden2.33%2.27%1.82%1.94%1.71%-62 bps
Growth
Asset Growth (YoY)20.00%20.79%1.97%2.98%0.73%-1,928 bps
Loan Growth (YoY)1.37%-1.27%0.94%-6.39%-7.07%-845 bps
Deposit Growth (YoY)7.98%8.48%1.66%3.35%0.92%-706 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.03%0.02%-0.22%-0.01%0.00%+3 bps
Allowance / Loans1.13%1.13%1.18%1.29%1.28%+14 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 Capital12.45%11.51%12.38%13.14%13.27%+82 bps
Equity / Assets16.27%16.60%17.06%16.35%16.29%+2 bps
Liquidity & Funding
Loans / Deposits64.11%65.89%67.83%59.15%59.03%-508 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