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Oak Lawn Bank

Oak Lawn, IL · Cert 35272

FDIC

Q2 2006

$71.5MAssets
$43.6MLoans
$62.8MDeposits
$5.8MEquity
Loan mix
67%RE $16.1M33%C&I $8.1M0%Consumer $0.0MQ2 2005Q2 2006
Deposit mix
87%Interest-bearing $54.4M13%Noninterest $8.4MQ2 2005Q2 2006

NIM

4.77%Q2 ’045.31%Q2 ’055.95%Q2 ’06+6%-7%

Non-interest income vs. expense

2.83%Q2 ’042.56%Q2 ’052.69%Q2 ’06-10%+7%

Executive Summary

  • Earnings: ROA of 0.53%, down 13 bps year over year; NIM at 3.24%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.68%.
  • Funding: loans stand at 69.54% of deposits as of Q2 2006.

Financial Results

Return on Assets (quarter, annualized)

0.53%-13 bps YoY

Net Interest Margin (quarter, annualized)

3.24%-23 bps YoY

Efficiency Ratio (quarter, annualized)

77.31%+908 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets0.66%0.79%0.73%0.48%0.53%-13 bps
Return on Equity7.93%9.40%8.43%5.63%6.41%-152 bps
Net Interest Margin3.47%3.48%3.40%3.27%3.24%-23 bps
Efficiency Ratio68.23%66.41%77.04%79.69%77.31%+908 bps
Non-Interest Burden2.28%2.22%2.56%2.56%2.45%+17 bps
Growth
Asset Growth (YoY)6.27%2.26%-2.76%6.04%6.57%+29 bps
Loan Growth (YoY)-4.53%-6.45%-4.84%-8.06%-2.85%+168 bps
Deposit Growth (YoY)6.14%1.84%-5.10%2.92%2.42%-372 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.02%0.00%0.01%-0.01%0.68%+70 bps
Allowance / Loans1.41%1.48%1.38%1.38%1.21%-21 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 Capital12.37%12.79%13.38%13.36%13.20%+83 bps
Equity / Assets8.31%8.49%8.72%8.48%8.15%-15 bps
Liquidity & Funding
Loans / Deposits73.32%72.38%73.98%71.87%69.54%-378 bps
Liquid Assets / Assets4.47%4.49%4.57%4.40%4.20%-28 bps
CRE / Total Capitaln/an/an/an/an/an/an/a