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Palos Bank and Trust Company

Palos Heights, IL · Cert 17599

FDIC

Q2 2010

$493.4MAssets
$324.9MLoans
$467.8MDeposits
$4.3MEquity
Loan mix
88%RE $240.4M11%C&I $29.4M1%Consumer $3.7MQ2 2009Q2 2010
Deposit mix
85%Interest-bearing $398.8M15%Noninterest $69.0MQ2 2009Q2 2010

NIM

5.73%Q2 ’084.41%Q2 ’093.92%Q2 ’10-16%+8%

Non-interest income vs. expense

3.05%Q2 ’083.23%Q2 ’093.49%Q2 ’10+27%+15%

Executive Summary

  • Earnings: ROA of -2.76%, down 263 bps year over year; NIM at 2.69%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.06%.
  • Funding: loans stand at 69.45% of deposits as of Q2 2010.

Financial Results

Return on Assets (YTD, annualized)

-2.76%-263 bps YoY

Net Interest Margin (YTD, annualized)

2.69%+20 bps YoY

Efficiency Ratio (YTD, annualized)

99.57%+421 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q2 2010YoY ΔTrend
Earnings
Return on Assets-0.13%-0.50%-3.79%0.12%-2.76%-263 bps
Return on Equity-2.67%-10.14%-87.04%5.78%-165.29%-16,261 bps
Net Interest Margin2.49%2.53%2.73%2.65%2.69%+20 bps
Efficiency Ratio95.35%93.18%130.63%97.20%99.57%+421 bps
Non-Interest Burden2.33%2.29%3.55%2.55%2.67%+34 bps
Growth
Asset Growth (YoY)-0.92%0.39%-5.54%-7.49%-6.94%-602 bps
Loan Growth (YoY)-2.42%-5.34%-10.09%-8.34%-11.39%-897 bps
Deposit Growth (YoY)4.58%5.23%-0.07%-2.81%-3.33%-790 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.46%1.00%2.95%0.11%1.06%-40 bps
Allowance / Loans2.12%2.67%3.96%3.96%5.81%+369 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 Capital8.41%8.36%4.88%4.92%3.37%-505 bps
Equity / Assets4.51%4.92%1.96%2.17%0.87%-364 bps
Liquidity & Funding
Loans / Deposits75.77%75.43%74.12%72.59%69.45%-632 bps
Liquid Assets / Assets3.82%5.14%5.02%8.66%10.20%+639 bps
CRE / Total Capitaln/an/an/an/an/an/an/a