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Letter portraitLegal landscapeQuarterYTD

Community Bank of Lawndale

Chicago, IL · Cert 22476

FDIC

Q4 2012

$58.4MAssets
$40.6MLoans
$54.2MDeposits
$917KEquity
Loan mix
96%RE $38.0M2%C&I $0.9M2%Consumer $0.7MQ4 2011Q4 2012
Deposit mix
82%Interest-bearing $44.3M18%Noninterest $9.9MQ4 2011Q4 2012

NIM

4.60%Q4 ’104.33%Q4 ’114.04%Q4 ’12-6%+1%

Non-interest income vs. expense

5.29%Q4 ’107.78%Q4 ’114.94%Q4 ’12-26%-4%

Executive Summary

  • Earnings: ROA of 4.97%, up 735 bps year over year; NIM at 3.24%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.63%.
  • Funding: loans stand at 74.92% of deposits as of Q4 2012.

Financial Results

Return on Assets (quarter, annualized)

4.97%+735 bps YoY

Net Interest Margin (quarter, annualized)

3.24%+2 bps YoY

Efficiency Ratio (quarter, annualized)

102.37%-141 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets-2.38%-2.20%-6.88%-5.63%4.97%+735 bps
Return on Equity-43.70%-48.46%-198.29%-298%360%+40,350 bps
Net Interest Margin3.22%3.38%3.24%3.63%3.24%+2 bps
Efficiency Ratio103.77%129.13%207%173.62%102.37%-141 bps
Non-Interest Burden3.61%4.56%7.43%6.12%3.47%-14 bps
Growth
Asset Growth (YoY)-7.07%-11.38%-7.50%-6.00%-8.01%-94 bps
Loan Growth (YoY)-17.60%-16.54%-14.21%-8.65%-9.43%+817 bps
Deposit Growth (YoY)-10.21%-9.37%-3.12%-0.73%-4.06%+616 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.63%2.53%0.00%2.27%-0.63%-126 bps
Allowance / Loans2.49%2.34%3.30%3.92%3.97%+148 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 Capital8.32%7.57%4.86%2.79%3.48%-484 bps
Equity / Assets4.71%4.34%2.58%1.19%1.57%-314 bps
Liquidity & Funding
Loans / Deposits79.36%73.56%72.73%70.93%74.92%-444 bps
Liquid Assets / Assets10.31%12.34%5.18%6.33%0.06%-1,025 bps
CRE / Total Capitaln/an/an/an/an/an/an/a