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Village Bank and Trust

North Barrington, IL · Cert 34750

FDIC

Q2 2006

$153.8MAssets
$117.9MLoans
$138.4MDeposits
$13.3MEquity
Loan mix
63%RE $32.2M37%C&I $19.1M0%Consumer $0.1MQ2 2005Q2 2006
Deposit mix
87%Interest-bearing $119.8M13%Noninterest $18.5MQ2 2005Q2 2006

NIM

4.56%Q2 ’045.29%Q2 ’056.33%Q2 ’06+9%+6%

Non-interest income vs. expense

2.34%Q2 ’042.52%Q2 ’052.66%Q2 ’06+4%+7%

Executive Summary

  • Earnings: ROA of 0.84%, up 10 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 85.21% of deposits as of Q2 2006.

Financial Results

Return on Assets (quarter, annualized)

0.84%+10 bps YoY

Net Interest Margin (quarter, annualized)

3.59%+21 bps YoY

Efficiency Ratio (quarter, annualized)

67.24%+21 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets0.75%0.91%1.05%0.92%0.84%+10 bps
Return on Equity9.22%11.00%12.36%10.87%9.90%+69 bps
Net Interest Margin3.38%3.57%3.65%3.62%3.59%+21 bps
Efficiency Ratio67.03%64.28%61.09%64.46%67.24%+21 bps
Non-Interest Burden2.14%2.17%2.05%2.23%2.29%+16 bps
Growth
Asset Growth (YoY)11.60%5.73%2.75%8.28%2.64%-896 bps
Loan Growth (YoY)6.32%7.99%2.57%5.83%10.71%+439 bps
Deposit Growth (YoY)11.21%4.79%1.64%8.03%2.23%-898 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%0.00%0.00%0.00%0.00%+1 bps
Allowance / Loans1.46%1.40%1.35%1.34%1.32%-14 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 Capital10.94%10.85%11.33%10.92%10.39%-56 bps
Equity / Assets8.14%8.47%8.53%8.38%8.63%+49 bps
Liquidity & Funding
Loans / Deposits78.69%83.93%85.96%82.10%85.21%+652 bps
Liquid Assets / Assets2.71%1.09%0.69%2.60%0.04%-268 bps
CRE / Total Capitaln/an/an/an/an/an/an/a