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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

5.69%Q3 ’035.29%Q3 ’045.94%Q3 ’05-7%+1%

Non-interest income vs. expense

2.37%Q3 ’032.17%Q3 ’042.38%Q3 ’05+4%+7%

Executive Summary

  • Earnings: ROA of 0.36%, down 5 bps year over year; NIM at 2.82%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 91.66% of deposits as of Q3 2005.

Financial Results

Return on Assets (quarter, annualized)

0.36%-5 bps YoY

Net Interest Margin (quarter, annualized)

2.82%+3 bps YoY

Efficiency Ratio (quarter, annualized)

78.26%+480 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets0.41%0.47%0.42%0.52%0.36%-5 bps
Return on Equity4.21%5.17%4.88%6.24%4.20%-1 bps
Net Interest Margin2.79%2.75%2.74%2.76%2.82%+3 bps
Efficiency Ratio73.45%71.04%70.33%70.42%78.26%+480 bps
Non-Interest Burden2.01%1.90%1.87%1.88%2.16%+15 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 / Loans0.56%-0.13%0.00%-0.02%0.00%-56 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