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Allegiance Community Bank

Tinley Park, IL · Cert 34987

FDIC

Q4 2009

$176.6MAssets
$146.0MLoans
$124.0MDeposits
$17.8MEquity
Deposit mix
86%Interest-bearing $106.7M14%Noninterest $17.3MQ4 2008Q4 2009

NIM

8.54%Q4 ’076.41%Q4 ’084.34%Q4 ’09-26%-22%

Non-interest income vs. expense

2.41%Q4 ’073.25%Q4 ’082.53%Q4 ’09+37%-24%

Executive Summary

  • Earnings: ROA of -14.00%, down 1,423 bps year over year; NIM at 2.88%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 30.26%.
  • Funding: loans stand at 117.75% of deposits as of Q4 2009.

Financial Results

Return on Assets (quarter, annualized)

-14.00%-1,423 bps YoY

Net Interest Margin (quarter, annualized)

2.88%-80 bps YoY

Efficiency Ratio (quarter, annualized)

77.05%-173 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets0.23%0.65%-0.61%0.09%-14.00%-1,423 bps
Return on Equity2.29%6.45%-6.03%0.87%-134.59%-13,688 bps
Net Interest Margin3.68%3.48%3.48%3.51%2.88%-80 bps
Efficiency Ratio78.78%66.44%59.41%61.62%77.05%-173 bps
Non-Interest Burden2.85%2.24%1.89%2.05%2.17%-68 bps
Growth
Asset Growth (YoY)17.13%15.60%8.06%4.62%-2.43%-1,957 bps
Loan Growth (YoY)18.15%12.30%6.98%2.11%-3.93%-2,208 bps
Deposit Growth (YoY)19.80%17.74%2.97%-4.27%-23.20%-4,301 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.43%0.82%0.20%30.26%+3,026 bps
Allowance / Loans0.81%0.76%1.31%1.75%1.05%+24 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 Capital10.20%10.87%10.82%11.39%10.35%+15 bps
Equity / Assets9.94%10.32%10.07%10.73%10.06%+12 bps
Liquidity & Funding
Loans / Deposits94.13%94.88%107.22%110.13%117.75%+2,362 bps
Liquid Assets / Assets2.08%4.66%3.75%3.96%4.05%+197 bps
CRE / Total Capitaln/an/an/an/an/an/an/a