First East Side Savings Bank

Chicago, IL · Cert 28144

FDIC

Q3 2012

$65.7MAssets

$39.8MLoans

$64.9MDeposits

$361KEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of -5.60%, down 177 bps year over year; NIM at 2.60%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 4.84%.
Funding: loans stand at 61.28% of deposits as of Q3 2012.

Return on Assets (YTD, annualized)

-5.60%-177 bps YoY

Net Interest Margin (YTD, annualized)

2.60%

Efficiency Ratio (YTD, annualized)

230%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q4 2010	Q1 2011	Q2 2011	Q3 2011	Q4 2011	Q1 2012	Q2 2012	Q3 2012	YoY Δ	Trend
Earnings
Return on Assets	-5.76%	-4.28%	-4.10%	-3.83%	-3.85%	-8.47%	-6.72%	-5.60%	-177 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	2.54%	2.56%	2.60%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	178.06%	237%	230%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	4.85%	6.21%	6.10%	n/a
Growth
Asset Growth (YoY)	-19.92%	-17.71%	-18.23%	-17.67%	-14.31%	-15.70%	-12.53%	-9.81%	+786 bps
Loan Growth (YoY)	-9.75%	-15.79%	-17.69%	-17.06%	-13.99%	1.19%	-0.45%	-3.39%	+1,367 bps
Deposit Growth (YoY)	-16.71%	-13.32%	-12.51%	-13.74%	-11.77%	-12.16%	-8.51%	-5.44%	+830 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	11.79%	6.62%	4.84%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	3.55%	3.37%	3.53%	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	5.61%	3.39%	1.06%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	2.43%	1.30%	0.55%	n/a
Liquidity & Funding
Loans / Deposits	61.24%	54.25%	58.01%	59.99%	59.70%	62.50%	63.12%	61.28%	+130 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	5.49%	6.53%	5.31%	+531 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a