PackageTrendsPeer
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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 $0.4MQ3 2004Q2 2006
Deposit mix
84%Interest-bearing $325.5M16%Noninterest $61.2MQ3 2004Q2 2006

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.

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
n/a

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%

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets0.79%0.85%0.86%0.89%0.88%0.86%0.75%0.78%-11 bps
Return on Equity10.82%11.59%11.60%11.78%11.66%11.54%10.19%10.55%-124 bps
Net Interest Margin3.12%3.04%3.01%3.02%2.97%2.94%2.88%2.95%-7 bps
Efficiency Ratio71.83%70.16%75.97%73.99%73.14%72.44%74.08%73.47%-53 bps
Non-Interest Burden1.98%1.86%2.11%2.01%1.93%1.90%1.95%1.97%-4 bps
Growth
Asset Growth (YoY)4.34%4.37%2.81%3.80%3.89%7.52%4.50%3.62%-18 bps
Loan Growth (YoY)11.72%10.94%14.54%9.57%7.12%6.31%4.75%4.14%-544 bps
Deposit Growth (YoY)3.35%6.59%5.17%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.23%0.27%0.12%0.09%0.26%0.27%0.11%0.03%-6 bps
Allowance / Loans1.25%1.12%1.04%1.03%0.87%0.78%0.75%0.75%-28 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital13.03%13.11%12.99%13.03%12.85%12.48%12.75%12.98%-5 bps
Equity / Assets7.30%7.46%7.36%7.74%7.47%7.20%7.46%7.49%-25 bps
Liquidity & Funding
Loans / Deposits62.32%62.45%63.56%65.75%63.62%61.96%64.52%67.50%+175 bps
Liquid Assets / Assets1.23%0.03%1.72%1.83%3.37%0.34%0.02%0.07%-176 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a