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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

4.59%Q2 ’044.85%Q2 ’055.49%Q2 ’06-4%-2%

Non-interest income vs. expense

2.91%Q2 ’042.87%Q2 ’052.73%Q2 ’06-1%+1%

Executive Summary

  • Earnings: ROA of 0.81%, down 10 bps year over year; NIM at 2.97%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.04%.
  • Funding: loans stand at 67.50% of deposits as of Q2 2006.

Financial Results

Return on Assets (quarter, annualized)

0.81%-10 bps YoY

Net Interest Margin (quarter, annualized)

2.97%-6 bps YoY

Efficiency Ratio (quarter, annualized)

72.87%+74 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets0.91%0.87%0.81%0.75%0.81%-10 bps
Return on Equity12.07%11.42%11.07%10.19%10.87%-121 bps
Net Interest Margin3.04%2.99%3.13%2.88%2.97%-6 bps
Efficiency Ratio72.13%71.57%70.34%74.08%72.87%+74 bps
Non-Interest Burden1.93%1.82%2.00%1.95%1.95%+3 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 / Loans0.06%0.60%0.32%0.11%-0.04%-10 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