American Union Savings and Loan Association, S.B.

Chicago, IL · Cert 30713

FDIC · 1 branch

Q2 2015

$6.8MAssets

$2.2MLoans

$6.0MDeposits

$797KEquity

Deposit mix

NIM

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2015 SOD (annual) · 0.0% share · #209 of 218 inst. · $0.0B of $384.6B

Earnings: ROA of -0.29%, up 52 bps year over year; NIM at 3.06%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.

Return on Assets (quarter, annualized)

-0.29%+52 bps YoY

Net Interest Margin (quarter, annualized)

3.06%-18 bps YoY

Efficiency Ratio (quarter, annualized)

108.93%-1,440 bps YoY

Tier 1 Leverage Ratio

11.73%

Discrete quarter, annualized.

Metric	Q2 2014	Q3 2014	Q4 2014	Q1 2015	Q2 2015	YoY Δ	Trend
Earnings
Return on Assets	-0.81%	0.18%	0.00%	-0.35%	-0.29%	+52 bps
Return on Equity	-6.83%	1.48%	0.00%	-2.98%	-2.50%	+433 bps
Net Interest Margin	3.24%	3.33%	3.32%	3.14%	3.06%	-18 bps
Efficiency Ratio	123.33%	94.74%	100.00%	111.32%	108.93%	-1,440 bps
Non-Interest Burden	4.05%	3.16%	3.32%	3.49%	3.35%	-70 bps
Growth
Asset Growth (YoY)	1.38%	-0.53%	-1.07%	-1.49%	-1.78%	-316 bps
Loan Growth (YoY)	-2.85%	-8.92%	-9.53%	-9.58%	-9.93%	-708 bps
Deposit Growth (YoY)	1.32%	-0.47%	-0.96%	-1.30%	-1.60%	-291 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Allowance / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Allowance Coverage of NPLs	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	11.74%	11.73%	n/a
Total Risk-Based Capital	38.53%	40.59%	40.77%	40.70%	41.38%	+285 bps
Equity / Assets	11.75%	11.96%	12.00%	11.80%	11.73%	-2 bps
Liquidity & Funding
Loans / Deposits	39.79%	37.82%	37.66%	36.76%	36.42%	-337 bps
Liquid Assets / Assets	51.58%	52.07%	52.77%	54.17%	57.26%	+567 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a