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Letter portraitLegal landscapeQuarterYTD

Kane County Bank

Elburn, IL · Cert 5738

FDIC

Q2 2007

$418.8MAssets
$265.8MLoans
$383.3MDeposits
$33.1MEquity
Loan mix
95%RE $216.7M5%C&I $11.9M0%Consumer $0.0MQ2 2006Q2 2007
Deposit mix
92%Interest-bearing $353.2M8%Noninterest $30.1MQ2 2006Q2 2007

NIM

5.17%Q2 ’055.80%Q2 ’066.05%Q2 ’07-6%-16%

Non-interest income vs. expense

2.16%Q2 ’052.07%Q2 ’062.13%Q2 ’07-12%+2%

Executive Summary

  • Earnings: ROA of 0.76%, down 24 bps year over year; NIM at 2.64%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.03%.
  • Funding: loans stand at 69.35% of deposits as of Q2 2007.

Financial Results

Return on Assets (YTD, annualized)

0.76%-24 bps YoY

Net Interest Margin (YTD, annualized)

2.64%-50 bps YoY

Efficiency Ratio (YTD, annualized)

65.79%+995 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets1.01%0.93%0.89%0.72%0.76%-24 bps
Return on Equity12.36%11.52%10.94%8.73%9.36%-300 bps
Net Interest Margin3.14%3.03%2.84%2.57%2.64%-50 bps
Efficiency Ratio55.84%58.39%60.00%68.72%65.79%+995 bps
Non-Interest Burden1.51%1.55%1.51%1.58%1.53%+2 bps
Growth
Asset Growth (YoY)7.95%8.70%7.25%3.37%5.37%-258 bps
Loan Growth (YoY)8.38%4.31%-1.45%-2.27%-3.21%-1,159 bps
Deposit Growth (YoY)7.71%8.43%6.93%3.30%5.50%-221 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.15%0.10%0.08%-0.03%-0.03%-17 bps
Allowance / Loans0.74%0.78%0.81%0.82%0.82%+7 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 Capital11.12%11.28%11.71%11.40%10.84%-28 bps
Equity / Assets8.07%8.08%8.26%8.33%7.89%-18 bps
Liquidity & Funding
Loans / Deposits75.59%73.12%70.66%74.11%69.35%-624 bps
Liquid Assets / Assets0.00%0.01%0.01%0.01%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a