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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

5.44%Q2 ’084.26%Q2 ’093.91%Q2 ’10-17%+13%

Non-interest income vs. expense

3.18%Q2 ’083.62%Q2 ’093.67%Q2 ’10+33%+3%

Executive Summary

  • Earnings: ROA of -5.61%, down 475 bps year over year; NIM at 2.73%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.00%.
  • Funding: loans stand at 69.45% of deposits as of Q2 2010.

Financial Results

Return on Assets (quarter, annualized)

-5.61%-475 bps YoY

Net Interest Margin (quarter, annualized)

2.73%+31 bps YoY

Efficiency Ratio (quarter, annualized)

101.80%-671 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q2 2010YoY ΔTrend
Earnings
Return on Assets-0.86%-1.23%-13.98%0.12%-5.61%-475 bps
Return on Equity-18.12%-26.07%-400%5.78%-369%-35,068 bps
Net Interest Margin2.42%2.56%2.79%2.65%2.73%+31 bps
Efficiency Ratio108.51%88.95%130.63%97.20%101.80%-671 bps
Non-Interest Burden2.70%2.17%6.80%2.55%2.79%+9 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 / Loans2.81%0.03%8.62%0.11%2.00%-81 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