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Letter portraitLegal landscapeQuarterYTD

National City Bank of Indiana

Indianapolis, IN · Cert 4347

FDIC

Q2 2006

$26.5BAssets
$20.2BLoans
$7.6BDeposits
$2.8BEquity
Loan mix
90%RE $17.9B10%C&I $2.0B0%Consumer $0.0BQ2 2005Q2 2006
Deposit mix
76%Interest-bearing $5.7B24%Noninterest $1.8BQ2 2005Q2 2006

NIM

5.49%Q2 ’044.80%Q2 ’058.36%Q2 ’06-41%+83%

Non-interest income vs. expense

3.46%Q2 ’045.67%Q2 ’055.84%Q2 ’06-477%+139%

Executive Summary

  • Earnings: ROA of 1.70%, down 191 bps year over year; NIM at 4.66%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.28%.
  • Funding: loans stand at 266.48% of deposits as of Q2 2006.

Financial Results

Return on Assets (quarter, annualized)

1.70%-191 bps YoY

Net Interest Margin (quarter, annualized)

4.66%+211 bps YoY

Efficiency Ratio (quarter, annualized)

63.25%+1,377 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets3.61%1.14%1.06%-0.24%1.70%-191 bps
Return on Equity36.87%11.39%10.48%-2.34%16.37%-2,051 bps
Net Interest Margin2.55%2.51%2.71%2.95%4.66%+211 bps
Efficiency Ratio49.48%74.94%72.53%98.99%63.25%+1,377 bps
Non-Interest Burden-3.23%0.63%0.92%2.89%1.27%+451 bps
Growth
Asset Growth (YoY)-30.46%-28.32%-7.68%-9.72%-7.18%+2,328 bps
Loan Growth (YoY)-38.44%-34.72%-12.04%-11.15%-8.11%+3,033 bps
Deposit Growth (YoY)5.99%7.23%8.16%-3.38%-6.32%-1,231 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.10%0.11%0.24%0.29%0.28%+18 bps
Allowance / Loansn/an/an/an/an/an/an/a
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 Capital11.94%11.71%11.24%10.94%11.20%-74 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits272%285%247%257%266%-519 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a