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Illinois State Bank of Lake in the Hills

Lake in the Hills, IL · Cert 34238

FDIC

Q3 2005

$132.8MAssets
$104.7MLoans
$114.2MDeposits
$11.8MEquity
Loan mix
65%RE $26.2M35%C&I $14.1M0%Consumer $0.0MQ3 2004Q3 2005
Deposit mix
95%Interest-bearing $108.0M5%Noninterest $6.3MQ3 2004Q3 2005

NIM

5.48%Q3 ’034.86%Q3 ’045.62%Q3 ’05-7%+5%

Non-interest income vs. expense

2.50%Q3 ’032.10%Q3 ’042.16%Q3 ’05-5%+7%

Executive Summary

  • Earnings: ROA of 0.44%, down 3 bps year over year; NIM at 2.75%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 91.66% of deposits as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

0.44%-3 bps YoY

Net Interest Margin (YTD, annualized)

2.75%+13 bps YoY

Efficiency Ratio (YTD, annualized)

73.07%+41 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets0.47%0.47%0.42%0.47%0.44%-3 bps
Return on Equity4.56%4.71%4.88%5.55%5.10%+54 bps
Net Interest Margin2.62%2.45%2.74%2.70%2.75%+13 bps
Efficiency Ratio72.66%72.22%70.33%70.37%73.07%+41 bps
Non-Interest Burden1.82%1.70%1.87%1.84%1.95%+12 bps
Growth
Asset Growth (YoY)30.41%34.03%35.45%30.78%10.30%-2,012 bps
Loan Growth (YoY)41.26%29.41%39.34%32.88%17.55%-2,371 bps
Deposit Growth (YoY)29.60%32.47%32.99%28.34%10.41%-1,918 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.17%0.09%0.00%-0.01%-0.01%-18 bps
Allowance / Loans0.87%0.89%0.89%0.89%0.91%+4 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 Capital12.14%11.55%11.13%10.97%11.26%-88 bps
Equity / Assets9.32%8.81%8.35%8.43%8.87%-45 bps
Liquidity & Funding
Loans / Deposits86.10%86.87%87.76%90.09%91.66%+556 bps
Liquid Assets / Assets0.16%0.82%0.72%0.66%0.10%-5 bps
CRE / Total Capitaln/an/an/an/an/an/an/a