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West Pointe Bank and Trust Company

Belleville, IL · Cert 33222

FDIC

Q2 2006

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2006, the quarter ended June 30, 2006, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

West Pointe Bank and Trust Company

Belleville, IL · Cert 33222

FDIC

Q2 2006

$456.1MAssets
$261.0MLoans
$386.7MDeposits
$34.2MEquity
Loan mix
49%RE $59.3M51%C&I $61.4M0%Consumer $0.4MQ2 2005Q2 2006
Deposit mix
84%Interest-bearing $325.5M16%Noninterest $61.2MQ2 2005Q2 2006

NIM

4.62%Q2 ’044.76%Q2 ’055.40%Q2 ’06-5%-2%

Non-interest income vs. expense

2.93%Q2 ’042.85%Q2 ’052.71%Q2 ’06+0%-2%

Executive Summary

  • Earnings: ROA of 0.78%, down 11 bps year over year; NIM at 2.95%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 67.50% of deposits as of Q2 2006.

Financial Results

Return on Assets (YTD, annualized)

0.78%-11 bps YoY

Net Interest Margin (YTD, annualized)

2.95%-7 bps YoY

Efficiency Ratio (YTD, annualized)

73.47%-53 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets0.89%0.88%0.86%0.75%0.78%-11 bps
Return on Equity11.78%11.66%11.54%10.19%10.55%-124 bps
Net Interest Margin3.02%2.97%2.94%2.88%2.95%-7 bps
Efficiency Ratio73.99%73.14%72.44%74.08%73.47%-53 bps
Non-Interest Burden2.01%1.93%1.90%1.95%1.97%-4 bps
Growth
Asset Growth (YoY)3.80%3.89%7.52%4.50%3.62%-18 bps
Loan Growth (YoY)9.57%7.12%6.31%4.75%4.14%-544 bps
Deposit Growth (YoY)5.71%4.93%7.15%3.18%1.43%-428 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.09%0.26%0.27%0.11%0.03%-6 bps
Allowance / Loans1.03%0.87%0.78%0.75%0.75%-28 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 Capital13.03%12.85%12.48%12.75%12.98%-5 bps
Equity / Assets7.74%7.47%7.20%7.46%7.49%-25 bps
Liquidity & Funding
Loans / Deposits65.75%63.62%61.96%64.52%67.50%+175 bps
Liquid Assets / Assets1.83%3.37%0.34%0.02%0.07%-176 bps
CRE / Total Capitaln/an/an/an/an/an/an/a