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South Pointe Bank

Carbondale, IL · Cert 34013

FDIC

Q3 2006

$203.1MAssets
$140.6MLoans
$168.9MDeposits
$15.6MEquity
Loan mix
87%RE $63.7M13%C&I $9.7M0%Consumer $0.2MQ3 2005Q3 2006
Deposit mix
92%Interest-bearing $155.5M8%Noninterest $13.3MQ3 2005Q3 2006

NIM

5.07%Q3 ’045.33%Q3 ’055.65%Q3 ’06-3%-11%

Non-interest income vs. expense

2.79%Q3 ’042.98%Q3 ’052.83%Q3 ’06+11%-6%

Executive Summary

  • Earnings: ROA of 0.45%, down 7 bps year over year; NIM at 2.80%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.13%.
  • Funding: loans stand at 83.29% of deposits as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

0.45%-7 bps YoY

Net Interest Margin (YTD, annualized)

2.80%-35 bps YoY

Efficiency Ratio (YTD, annualized)

79.25%+364 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets0.52%0.08%0.56%0.50%0.45%-7 bps
Return on Equity6.85%1.08%7.63%6.75%6.04%-81 bps
Net Interest Margin3.15%3.08%2.87%2.90%2.80%-35 bps
Efficiency Ratio75.61%77.39%73.84%77.16%79.25%+364 bps
Non-Interest Burden2.33%2.35%2.06%2.20%2.19%-14 bps
Growth
Asset Growth (YoY)6.17%-0.54%2.64%3.10%-2.24%-841 bps
Loan Growth (YoY)21.56%19.29%14.74%5.01%0.04%-2,152 bps
Deposit Growth (YoY)7.90%3.22%2.10%2.90%0.71%-720 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.59%1.00%0.03%0.17%0.13%-46 bps
Allowance / Loans1.00%1.26%1.28%1.22%1.23%+23 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 Capital12.11%11.72%12.14%12.34%12.62%+51 bps
Equity / Assets7.60%7.33%7.44%7.39%7.69%+10 bps
Liquidity & Funding
Loans / Deposits83.84%86.00%84.49%82.79%83.29%-55 bps
Liquid Assets / Assets0.06%0.02%0.05%0.08%0.11%+5 bps
CRE / Total Capitaln/an/an/an/an/an/an/a