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Capstone Bank, National Association

Watseka, IL · Cert 18630

FDIC

Q3 2009

$212.1MAssets
$123.1MLoans
$189.8MDeposits
$18.6MEquity
Loan mix
80%RE $83.6M19%C&I $20.3M0%Consumer $0.1MQ3 2008Q3 2009
Deposit mix
88%Interest-bearing $167.3M12%Noninterest $22.5MQ3 2008Q3 2009

NIM

6.05%Q3 ’075.57%Q3 ’085.03%Q3 ’09+9%-1%

Non-interest income vs. expense

2.73%Q3 ’072.64%Q3 ’082.70%Q3 ’09+3%-26%

Executive Summary

  • Earnings: ROA of 0.18%, down 91 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.47%.
  • Funding: loans stand at 64.85% of deposits as of Q3 2009.

Financial Results

Return on Assets (quarter, annualized)

0.18%-91 bps YoY

Net Interest Margin (quarter, annualized)

3.74%-6 bps YoY

Efficiency Ratio (quarter, annualized)

50.25%-289 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets1.09%-0.04%0.47%-4.90%0.18%-91 bps
Return on Equity12.92%-0.50%5.71%-59.18%2.09%-1,083 bps
Net Interest Margin3.80%3.52%3.35%3.31%3.74%-6 bps
Efficiency Ratio53.14%61.77%62.15%58.50%50.25%-289 bps
Non-Interest Burden1.55%1.91%1.70%6.56%1.15%-41 bps
Growth
Asset Growth (YoY)6.15%0.22%4.12%6.24%6.53%+38 bps
Loan Growth (YoY)14.09%13.09%12.09%7.18%2.46%-1,163 bps
Deposit Growth (YoY)5.69%-2.82%5.35%6.73%6.65%+96 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.32%1.83%1.37%1.63%0.47%+15 bps
Allowance / Loans1.40%1.90%2.03%3.76%4.73%+334 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 Capital11.94%11.06%11.11%13.33%13.60%+166 bps
Equity / Assets8.59%8.19%8.34%8.22%8.77%+18 bps
Liquidity & Funding
Loans / Deposits67.50%69.65%66.23%65.31%64.85%-266 bps
Liquid Assets / Assets0.04%0.04%0.03%0.03%0.03%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a