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Letter portraitLegal landscapeQuarterYTD

Elgin State Bank, The

Elgin, IL · Cert 19042

FDIC

Q2 2011

$276.8MAssets
$164.7MLoans
$248.7MDeposits
$18.9MEquity
Loan mix
84%RE $94.2M16%C&I $17.7M0%Consumer $0.1MQ2 2010Q2 2011
Deposit mix
78%Interest-bearing $194.6M22%Noninterest $54.2MQ2 2010Q2 2011

NIM

5.12%Q2 ’094.12%Q2 ’103.68%Q2 ’11-18%-6%

Non-interest income vs. expense

2.78%Q2 ’092.71%Q2 ’102.83%Q2 ’11+4%+10%

Executive Summary

  • Earnings: ROA of 0.20%, down 28 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.80%.
  • Funding: loans stand at 66.20% of deposits as of Q2 2011.

Financial Results

Return on Assets (YTD, annualized)

0.20%-28 bps YoY

Net Interest Margin (YTD, annualized)

2.90%-19 bps YoY

Efficiency Ratio (YTD, annualized)

91.35%+1,183 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2010Q3 2010Q4 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets0.49%0.42%-1.26%0.02%0.20%-28 bps
Return on Equity6.45%5.59%-17.28%0.26%3.14%-330 bps
Net Interest Margin3.08%2.90%2.96%2.85%2.90%-19 bps
Efficiency Ratio79.52%80.95%86.78%95.54%91.35%+1,183 bps
Non-Interest Burden2.38%2.28%2.54%2.72%2.63%+24 bps
Growth
Asset Growth (YoY)9.01%5.73%2.95%-1.43%-11.29%-2,029 bps
Loan Growth (YoY)-11.96%-15.24%-19.83%-21.18%-21.63%-967 bps
Deposit Growth (YoY)9.72%6.30%2.73%-0.83%-8.96%-1,867 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.36%1.04%2.80%0.74%0.80%+44 bps
Allowance / Loans2.35%1.96%2.60%2.64%2.59%+24 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 Capital12.58%12.92%12.13%12.72%13.27%+69 bps
Equity / Assets7.47%7.55%6.29%6.44%6.81%-66 bps
Liquidity & Funding
Loans / Deposits76.91%73.13%70.58%67.49%66.20%-1,071 bps
Liquid Assets / Assets12.44%12.48%17.80%19.85%19.20%+676 bps
CRE / Total Capitaln/an/an/an/an/an/an/a