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Letter portraitLegal landscapeQuarterYTD

Community Bank of Ravenswood

Chicago, IL · Cert 34231

FDIC

Q2 2010

$264.6MAssets
$211.1MLoans
$269.4MDeposits
$-8067KEquity
Deposit mix
96%Interest-bearing $259.2M4%Noninterest $10.3MQ2 2009Q2 2010

NIM

6.51%Q2 ’085.51%Q2 ’093.92%Q2 ’10-31%-74%

Non-interest income vs. expense

2.10%Q2 ’082.28%Q2 ’093.75%Q2 ’10+14%+66%

Executive Summary

  • Earnings: ROA of -11.41%, down 1,119 bps year over year; NIM at 0.50%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 4.13%.
  • Funding: loans stand at 78.35% of deposits as of Q2 2010.

Financial Results

Return on Assets (YTD, annualized)

-11.41%-1,119 bps YoY

Net Interest Margin (YTD, annualized)

0.50%-145 bps YoY

Efficiency Ratio (YTD, annualized)

425%+32,154 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q2 2010YoY ΔTrend
Earnings
Return on Assets-0.22%-0.52%-2.24%-2.94%-11.41%-1,119 bps
Return on Equity-4.57%-11.01%-51.37%-117.01%-1365%-136,078 bps
Net Interest Margin1.95%1.69%1.50%1.11%0.50%-145 bps
Efficiency Ratio103.16%115.50%172.32%241%425%+32,154 bps
Non-Interest Burden2.02%2.00%2.65%3.07%3.36%+134 bps
Growth
Asset Growth (YoY)-10.57%-11.14%-9.66%-8.10%-20.60%-1,003 bps
Loan Growth (YoY)-17.84%-18.45%-9.86%-8.81%-10.51%+733 bps
Deposit Growth (YoY)-7.07%-7.46%-8.10%-5.39%-14.34%-727 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.25%0.31%0.25%2.94%4.13%+388 bps
Allowance / Loans3.97%4.17%6.12%5.86%10.61%+664 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 Capital7.49%6.94%5.10%4.37%-2.97%-1,047 bps
Equity / Assets4.62%4.52%2.75%2.28%-3.05%-767 bps
Liquidity & Funding
Loans / Deposits75.00%75.04%76.70%76.11%78.35%+335 bps
Liquid Assets / Assets4.00%5.14%9.91%9.53%8.79%+479 bps
CRE / Total Capitaln/an/an/an/an/an/an/a