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Edens Bank

Wilmette, IL · Cert 20435

FDIC

Q4 2010

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2010, the quarter ended December 31, 2010, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Edens Bank

Wilmette, IL · Cert 20435

FDIC

Q4 2010

$249.2MAssets
$193.7MLoans
$225.0MDeposits
$23.5MEquity
Loan mix
94%RE $130.5M6%C&I $7.6M0%Consumer $0.0MQ4 2009Q4 2010
Deposit mix
86%Interest-bearing $194.4M14%Noninterest $30.6MQ4 2009Q4 2010

NIM

6.43%Q4 ’085.83%Q4 ’095.02%Q4 ’10+2%+2%

Non-interest income vs. expense

2.46%Q4 ’082.45%Q4 ’092.86%Q4 ’10-2%+31%

Executive Summary

  • Earnings: ROA of -1.28%, down 111 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.92%.
  • Funding: loans stand at 86.07% of deposits as of Q4 2010.

Financial Results

Return on Assets (YTD, annualized)

-1.28%-111 bps YoY

Net Interest Margin (YTD, annualized)

3.85%+6 bps YoY

Efficiency Ratio (YTD, annualized)

71.02%+1,266 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q2 2010Q3 2010Q4 2010YoY ΔTrend
Earnings
Return on Assets-0.17%-2.48%-1.12%-0.94%-1.28%-111 bps
Return on Equity-2.10%-26.34%-11.84%-9.92%-13.52%-1,143 bps
Net Interest Margin3.79%3.51%3.63%3.77%3.85%+6 bps
Efficiency Ratio58.36%56.76%60.30%64.30%71.02%+1,266 bps
Non-Interest Burden2.06%1.84%2.06%2.31%2.70%+64 bps
Growth
Asset Growth (YoY)-4.06%-8.93%-11.93%-12.77%-12.38%-832 bps
Loan Growth (YoY)-2.31%-3.08%-7.97%-7.86%-15.35%-1,304 bps
Deposit Growth (YoY)-7.03%-10.89%-11.35%-11.23%-5.71%+133 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.83%1.95%1.64%1.83%2.92%+9 bps
Allowance / Loans1.24%2.41%2.48%2.72%2.88%+164 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 Capital12.52%11.86%12.04%12.59%13.90%+139 bps
Equity / Assets9.36%9.45%9.51%9.66%9.42%+6 bps
Liquidity & Funding
Loans / Deposits95.87%95.91%92.44%93.93%86.07%-980 bps
Liquid Assets / Assets6.10%4.62%4.56%7.15%11.46%+537 bps
CRE / Total Capitaln/an/an/an/an/an/an/a