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Cosmopolitan Bank and Trust

Chicago, IL · Cert 33406

FDIC

Q4 2005

$429.9MAssets
$342.0MLoans
$372.5MDeposits
$49.3MEquity
Loan mix
74%RE $64.9M26%C&I $22.8M0%Consumer $0.1MQ4 2004Q4 2005
Deposit mix
86%Interest-bearing $318.7M14%Noninterest $53.8MQ4 2004Q4 2005

NIM

6.73%Q4 ’036.42%Q4 ’047.27%Q4 ’05-8%-9%

Non-interest income vs. expense

2.91%Q4 ’032.58%Q4 ’041.90%Q4 ’05-9%-44%

Executive Summary

  • Earnings: ROA of 2.16%, up 10 bps year over year; NIM at 4.46%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 91.82% of deposits as of Q4 2005.

Financial Results

Return on Assets (quarter, annualized)

2.16%+10 bps YoY

Net Interest Margin (quarter, annualized)

4.46%-41 bps YoY

Efficiency Ratio (quarter, annualized)

34.82%-960 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets2.06%1.77%1.95%1.81%2.16%+10 bps
Return on Equity17.09%15.03%16.27%15.36%18.97%+188 bps
Net Interest Margin4.87%4.60%4.71%4.31%4.46%-41 bps
Efficiency Ratio44.43%46.12%42.53%41.88%34.82%-960 bps
Non-Interest Burden1.69%1.71%1.56%1.36%0.95%-74 bps
Growth
Asset Growth (YoY)12.20%11.81%10.72%11.36%8.07%-413 bps
Loan Growth (YoY)8.02%7.15%6.93%8.05%9.71%+169 bps
Deposit Growth (YoY)6.34%4.08%5.48%8.36%12.05%+571 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.31%0.00%0 bps
Allowance / Loans1.04%0.99%1.02%0.91%0.87%-17 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 Capital12.21%11.98%12.46%11.43%11.75%-46 bps
Equity / Assets11.91%11.63%12.31%11.28%11.46%-45 bps
Liquidity & Funding
Loans / Deposits93.78%97.09%92.70%93.26%91.82%-196 bps
Liquid Assets / Assets2.15%2.04%3.51%0.84%0.79%-136 bps
CRE / Total Capitaln/an/an/an/an/an/an/a