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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

5.33%Q3 ’0510.25%Q3 ’066.64%Q3 ’07+61%-39%

Non-interest income vs. expense

2.23%Q3 ’053.88%Q3 ’065.10%Q3 ’07+75%+46%

Executive Summary

  • Earnings: ROA of -1.67%, down 353 bps year over year; NIM at 3.44%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.97%.
  • Funding: loans stand at 92.34% of deposits as of Q3 2007.

Financial Results

Return on Assets (quarter, annualized)

-1.67%-353 bps YoY

Net Interest Margin (quarter, annualized)

3.44%-223 bps YoY

Efficiency Ratio (quarter, annualized)

136.57%+7,457 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets1.86%1.66%1.10%1.19%-1.67%-353 bps
Return on Equity21.81%18.70%11.92%12.67%-18.13%-3,994 bps
Net Interest Margin5.68%3.62%3.43%3.51%3.44%-223 bps
Efficiency Ratio62.01%53.16%57.41%53.90%136.57%+7,457 bps
Non-Interest Burden3.30%1.70%1.80%1.73%4.81%+151 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-0.05%0.00%0.00%0.00%2.97%+302 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