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Foster Bank, The

Chicago, IL · Cert 27447

FDIC

Q2 2013

$380.5MAssets
$302.1MLoans
$333.2MDeposits
$22.3MEquity
Loan mix
80%RE $179.6M19%C&I $43.3M0%Consumer $0.4MQ2 2012Q2 2013
Deposit mix
69%Interest-bearing $231.1M31%Noninterest $102.2MQ2 2012Q2 2013

NIM

4.61%Q2 ’114.48%Q2 ’123.81%Q2 ’13+3%-15%

Non-interest income vs. expense

3.35%Q2 ’114.23%Q2 ’124.33%Q2 ’13+146%+3%

Executive Summary

  • Earnings: ROA of -0.15%, up 128 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.76%.
  • Funding: loans stand at 90.65% of deposits as of Q2 2013.

Financial Results

Return on Assets (quarter, annualized)

-0.15%+128 bps YoY

Net Interest Margin (quarter, annualized)

3.39%-61 bps YoY

Efficiency Ratio (quarter, annualized)

96.41%+1,349 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets-1.43%-5.44%-0.14%-1.06%-0.15%+128 bps
Return on Equity-20.70%-87.93%-2.44%-18.47%-2.56%+1,814 bps
Net Interest Margin4.00%3.78%3.61%3.50%3.39%-61 bps
Efficiency Ratio82.92%103.99%82.96%87.52%96.41%+1,349 bps
Non-Interest Burden3.13%3.96%2.88%2.92%3.23%+10 bps
Growth
Asset Growth (YoY)-15.87%-14.45%-11.48%-10.33%-14.33%+154 bps
Loan Growth (YoY)-19.08%-20.68%-18.20%-19.22%-16.54%+254 bps
Deposit Growth (YoY)-15.56%-11.87%-2.91%-2.42%-7.11%+845 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans5.33%6.77%2.05%3.56%0.76%-457 bps
Allowance / Loans3.37%3.49%3.44%3.23%3.26%-11 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 Capital9.62%8.14%8.44%8.38%8.67%-95 bps
Equity / Assets6.70%5.64%5.75%5.72%5.87%-83 bps
Liquidity & Funding
Loans / Deposits100.90%98.96%91.46%91.70%90.65%-1,024 bps
Liquid Assets / Assets10.92%11.94%12.80%13.79%13.28%+236 bps
CRE / Total Capitaln/an/an/an/an/an/an/a