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American Chartered Bank

Schaumburg, IL · Cert 27006

FDIC · 16 branches

Q2 2016

$2.8BAssets
$2.0BLoans
$2.4BDeposits
$252.2MEquity
Loan mix
59%RE $974.2M41%C&I $687.7M0%Consumer $0.6MQ2 2015Q2 2016
Deposit mix
48%Interest-bearing $1.1B52%Noninterest $1.2BQ2 2015Q2 2016

NIM

3.57%Q2 ’143.39%Q2 ’153.61%Q2 ’16-3%+6%

Non-interest income vs. expense

2.43%Q2 ’142.06%Q2 ’152.07%Q2 ’16-25%+3%

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2016 SOD (annual) · 0.6% share · #19 of 208 inst. · $2.4B of $391.1B

0.7% Cook
2.1% Lake
0.9% DuPage

Executive Summary

  • Earnings: ROA of 1.14%, down 4 bps year over year; NIM at 3.48%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.35%.
  • Capital: tier 1 leverage ratio of 9.15%, up 73 bps from a year ago.
  • Funding: loans stand at 85.26% of deposits as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

1.14%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.48%+20 bps YoY

Efficiency Ratio (YTD, annualized)

49.68%-190 bps YoY

Tier 1 Leverage Ratio

9.15%+73 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets1.18%1.27%1.25%1.15%1.14%-4 bps
Return on Equity14.27%15.24%15.06%13.51%13.15%-112 bps
Net Interest Margin3.28%3.28%3.36%3.49%3.48%+20 bps
Efficiency Ratio51.58%50.83%51.12%49.67%49.68%-190 bps
Non-Interest Burden1.34%1.31%1.36%1.40%1.39%+4 bps
Growth
Asset Growth (YoY)9.16%9.86%8.02%2.98%-0.66%-982 bps
Loan Growth (YoY)8.43%9.14%7.14%6.24%1.59%-684 bps
Deposit Growth (YoY)3.78%5.16%5.74%10.77%6.32%+254 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.02%0.00%0.10%0.37%0.35%+37 bps
Allowance / Loans1.51%1.42%1.30%1.28%1.29%-22 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.42%8.52%8.52%8.81%9.15%+73 bps
Total Risk-Based Capital12.40%12.60%12.16%12.54%12.95%+55 bps
Equity / Assets8.29%8.58%8.29%8.68%9.09%+81 bps
Liquidity & Funding
Loans / Deposits89.23%89.32%87.12%84.55%85.26%-397 bps
Liquid Assets / Assets13.38%12.76%12.76%12.40%11.90%-149 bps
CRE / Total Capitaln/an/an/an/an/an/an/a