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Park National Bank and Trust of Chicago

Chicago, IL · Cert 16935

FDIC

Q4 2005

$276.5MAssets
$195.3MLoans
$241.8MDeposits
$32.8MEquity
Deposit mix
91%Interest-bearing $220.4M9%Noninterest $21.5MQ4 2004Q4 2005

NIM

5.89%Q4 ’036.45%Q4 ’046.95%Q4 ’05+13%-2%

Non-interest income vs. expense

2.05%Q4 ’032.15%Q4 ’041.98%Q4 ’05-8%-3%

Executive Summary

  • Earnings: ROA of 2.10%, down 7 bps year over year; NIM at 4.95%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 80.76% of deposits as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

2.10%-7 bps YoY

Net Interest Margin (YTD, annualized)

4.95%-12 bps YoY

Efficiency Ratio (YTD, annualized)

31.30%-149 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets2.18%1.89%1.82%1.92%2.10%-7 bps
Return on Equity18.91%15.67%14.95%16.07%17.59%-132 bps
Net Interest Margin5.06%4.60%4.44%4.62%4.95%-12 bps
Efficiency Ratio32.79%34.74%34.73%33.16%31.30%-149 bps
Non-Interest Burden1.59%1.60%1.54%1.52%1.53%-5 bps
Growth
Asset Growth (YoY)1.62%5.89%7.07%4.36%4.40%+278 bps
Loan Growth (YoY)2.21%3.54%5.67%1.25%4.63%+242 bps
Deposit Growth (YoY)-0.24%6.66%3.85%5.69%5.07%+531 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%-0.01%-0.01%0 bps
Allowance / Loans1.50%1.34%1.32%1.41%1.45%-6 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 Capital13.59%12.66%12.94%12.40%13.31%-28 bps
Equity / Assets12.37%11.83%12.33%11.40%11.85%-52 bps
Liquidity & Funding
Loans / Deposits81.10%84.77%88.11%83.31%80.76%-34 bps
Liquid Assets / Assets1.32%1.22%1.56%0.17%0.17%-115 bps
CRE / Total Capitaln/an/an/an/an/an/an/a