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All American Bank

Des Plaines, IL · Cert 57759

FDIC

Q3 2011

$34.8MAssets
$26.1MLoans
$30.5MDeposits
$701KEquity
Loan mix
87%RE $16.3M12%C&I $2.3M1%Consumer $0.2MQ3 2010Q3 2011
Deposit mix
88%Interest-bearing $26.8M12%Noninterest $3.8MQ3 2010Q3 2011

NIM

4.47%Q3 ’094.27%Q3 ’104.07%Q3 ’11+16%+21%

Non-interest income vs. expense

4.74%Q3 ’095.04%Q3 ’105.44%Q3 ’11+8%+4%

Executive Summary

  • Earnings: ROA of -3.98%, down 70 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 5.47%.
  • Funding: loans stand at 85.48% of deposits as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

-3.98%-70 bps YoY

Net Interest Margin (YTD, annualized)

3.15%+54 bps YoY

Efficiency Ratio (YTD, annualized)

144.68%-2,292 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2010Q4 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets-3.28%-1.06%-7.73%-5.12%-3.98%-70 bps
Return on Equity-66.17%-21.93%-214%-162.40%-137.48%-7,131 bps
Net Interest Margin2.61%2.75%2.93%2.95%3.15%+54 bps
Efficiency Ratio167.60%142.74%125.13%146.93%144.68%-2,292 bps
Non-Interest Burden4.64%4.24%3.91%4.67%4.83%+19 bps
Growth
Asset Growth (YoY)-10.47%6.92%0.07%3.81%2.44%+1,290 bps
Loan Growth (YoY)6.30%3.15%-9.05%-7.52%-8.37%-1,467 bps
Deposit Growth (YoY)-3.43%8.14%-6.22%-2.51%-5.43%-200 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans4.49%4.42%16.19%8.16%5.47%+98 bps
Allowance / Loans11.62%8.70%7.80%7.91%8.06%-357 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 Capital6.10%7.51%5.18%4.42%3.97%-213 bps
Equity / Assets3.91%4.38%2.76%2.20%2.01%-190 bps
Liquidity & Funding
Loans / Deposits88.23%73.03%79.82%79.19%85.48%-275 bps
Liquid Assets / Assets7.38%1.20%13.58%13.96%15.15%+777 bps
CRE / Total Capitaln/an/an/an/an/an/an/a