Midwest Bank and Trust Company

Elmwood Park, IL · Cert 18117

FDIC

Q1 2010

$3.2BAssets

$2.2BLoans

$2.4BDeposits

$85.5MEquity

Loan mix

Deposit mix

NIM

Earnings: ROA of -12.90%, down 1,251 bps year over year; NIM at 1.90%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 11.50%.
Funding: loans stand at 90.24% of deposits as of Q1 2010.

Return on Assets (YTD, annualized)

-12.90%-1,251 bps YoY

Net Interest Margin (YTD, annualized)

1.90%-51 bps YoY

Efficiency Ratio (YTD, annualized)

123.37%+4,598 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q1 2009	Q2 2009	Q3 2009	Q4 2009	Q1 2010	YoY Δ	Trend
Earnings
Return on Assets	-0.38%	-4.07%	-4.22%	-6.50%	-12.90%	-1,251 bps
Return on Equity	-3.91%	-44.35%	-46.53%	-77.64%	-312%	-30,811 bps
Net Interest Margin	2.40%	2.36%	2.19%	2.15%	1.90%	-51 bps
Efficiency Ratio	77.39%	88.48%	94.97%	102.38%	123.37%	+4,598 bps
Non-Interest Burden	1.83%	2.11%	2.13%	2.66%	4.98%	+315 bps
Growth
Asset Growth (YoY)	-0.65%	-4.10%	-0.97%	-3.53%	-14.10%	-1,345 bps
Loan Growth (YoY)	5.00%	2.33%	-1.61%	-7.55%	-15.69%	-2,069 bps
Deposit Growth (YoY)	6.52%	9.29%	1.62%	4.77%	-5.50%	-1,202 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.68%	1.06%	1.66%	3.59%	11.50%	+1,082 bps
Allowance / Loans	2.05%	2.50%	3.40%	5.55%	6.51%	+447 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	10.53%	10.47%	10.17%	6.41%	2.86%	-767 bps
Equity / Assets	9.61%	7.87%	8.75%	5.47%	2.69%	-692 bps
Liquidity & Funding
Loans / Deposits	101.15%	100.01%	95.91%	90.16%	90.24%	-1,091 bps
Liquid Assets / Assets	0.84%	4.51%	8.35%	12.10%	11.23%	+1,040 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a