Foxdale Bank

South Elgin, IL · Cert 34035

FDIC

Q3 2001

$40.3MAssets

$24.7MLoans

$37.7MDeposits

$2.2MEquity

Deposit mix

Executive Summary

Earnings: ROA of -1.79%, down 96 bps year over year; NIM at 2.67%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
Funding: loans stand at 65.42% of deposits as of Q3 2001.

Return on Assets (quarter, annualized)

-1.79%-96 bps YoY

Net Interest Margin (quarter, annualized)

2.67%

Efficiency Ratio (quarter, annualized)

139.14%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	YoY Δ	Trend
Earnings
Return on Assets	-1.50%	-0.69%	-0.98%	-0.83%	-2.18%	-0.86%	-1.34%	-1.79%	-96 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	-25.41%	-34.37%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	2.89%	2.69%	2.67%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	116.88%	121.76%	139.14%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	3.48%	3.45%	4.03%	n/a
Growth
Asset Growth (YoY)	-12.70%	-12.00%	-7.33%	-3.96%	1.85%	3.64%	2.10%	-7.23%	-326 bps
Loan Growth (YoY)	-12.30%	-18.61%	-20.40%	-15.04%	-1.03%	11.74%	9.30%	6.88%	+2,192 bps
Deposit Growth (YoY)	-11.11%	-10.65%	-6.02%	-2.94%	3.07%	4.89%	3.46%	-5.65%	-270 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	0.32%	3.77%	0.00%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	2.31%	1.73%	1.98%	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	8.99%	8.43%	8.18%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	5.42%	5.10%	5.34%	n/a
Liquidity & Funding
Loans / Deposits	63.10%	59.65%	57.48%	57.75%	60.59%	63.55%	60.73%	65.42%	+767 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a