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Mount Prospect National Bank

Mount Prospect, IL · Cert 34547

FDIC

Q3 2007

$544.0MAssets
$442.3MLoans
$479.0MDeposits
$49.2MEquity
Loan mix
72%RE $250.4M28%C&I $95.6M0%Consumer $0.1MQ3 2006Q3 2007
Deposit mix
99%Interest-bearing $472.0M1%Noninterest $7.0MQ3 2006Q3 2007

NIM

5.47%Q3 ’056.17%Q3 ’066.50%Q3 ’07+0%-3%

Non-interest income vs. expense

2.23%Q3 ’052.30%Q3 ’063.09%Q3 ’07-1%+45%

Executive Summary

  • Earnings: ROA of 0.19%, down 121 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.99%.
  • Funding: loans stand at 92.34% of deposits as of Q3 2007.

Financial Results

Return on Assets (YTD, annualized)

0.19%-121 bps YoY

Net Interest Margin (YTD, annualized)

3.41%-9 bps YoY

Efficiency Ratio (YTD, annualized)

82.54%+2,342 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets1.40%1.50%1.10%1.14%0.19%-121 bps
Return on Equity16.47%17.38%11.92%12.31%2.11%-1,436 bps
Net Interest Margin3.49%3.54%3.43%3.44%3.41%-9 bps
Efficiency Ratio59.11%57.57%57.41%55.63%82.54%+2,342 bps
Non-Interest Burden1.90%1.86%1.80%1.75%2.75%+85 bps
Growth
Asset Growth (YoY)53.82%55.46%52.12%48.43%3.64%-5,018 bps
Loan Growth (YoY)59.69%63.18%59.72%52.54%7.34%-5,235 bps
Deposit Growth (YoY)53.02%49.29%57.46%52.45%3.73%-4,929 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.09%-0.06%0.00%0.00%0.99%+107 bps
Allowance / Loans1.40%1.36%1.36%1.31%0.95%-46 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 Capital10.81%11.19%11.38%11.26%10.57%-25 bps
Equity / Assets8.74%9.04%9.41%9.31%9.05%+31 bps
Liquidity & Funding
Loans / Deposits89.23%91.95%92.28%94.37%92.34%+311 bps
Liquid Assets / Assets0.02%0.02%0.02%0.02%0.02%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a