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Interstate Bank

Oak Forest, IL · Cert 20203

FDIC

Q2 2009

$209.8MAssets
$154.6MLoans
$209.2MDeposits
$-1174KEquity
Loan mix
90%RE $85.9M9%C&I $9.0M0%Consumer $0.2MQ2 2008Q2 2009
Deposit mix
97%Interest-bearing $203.8M3%Noninterest $5.4MQ2 2008Q2 2009

NIM

8.79%Q2 ’077.76%Q2 ’085.35%Q2 ’09-5%-33%

Non-interest income vs. expense

3.68%Q2 ’074.02%Q2 ’084.00%Q2 ’09+28%+4%

Executive Summary

  • Earnings: ROA of 0.27%, down 118 bps year over year; NIM at 3.67%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 73.87% of deposits as of Q2 2009.

Financial Results

Return on Assets (quarter, annualized)

0.27%-118 bps YoY

Net Interest Margin (quarter, annualized)

3.67%-181 bps YoY

Efficiency Ratio (quarter, annualized)

94.37%+2,937 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets1.45%1.12%-1.88%-42.56%0.27%-118 bps
Return on Equity15.58%12.31%-20.96%-993%-44.66%-6,024 bps
Net Interest Margin5.48%4.60%3.78%0.57%3.67%-181 bps
Efficiency Ratio65.00%65.05%81.24%291%94.37%+2,937 bps
Non-Interest Burden3.31%2.67%2.95%2.75%3.43%+12 bps
Growth
Asset Growth (YoY)7.12%7.67%9.72%-4.76%1.30%-582 bps
Loan Growth (YoY)6.14%6.98%10.23%-1.03%-5.48%-1,162 bps
Deposit Growth (YoY)10.33%4.72%10.75%6.20%15.59%+526 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.23%3.99%32.98%0.00%0 bps
Allowance / Loans1.18%1.33%1.16%6.16%6.26%+507 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 Capital11.90%11.85%11.06%-0.97%-1.77%-1,366 bps
Equity / Assets9.08%9.14%8.78%-0.65%-0.56%-964 bps
Liquidity & Funding
Loans / Deposits90.34%93.40%90.18%80.60%73.87%-1,646 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.05%+5 bps
CRE / Total Capitaln/an/an/an/an/an/an/a