Privatebank, National Association, The

Milwaukee, WI · Cert 58455

FDIC

Q3 2010

$184.3MAssets

$121.9MLoans

$165.4MDeposits

$17.2MEquity

Loan mix

Deposit mix

NIM

Earnings: ROA of -0.02%, down 6 bps year over year; NIM at 3.08%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.48%.
Funding: loans stand at 73.71% of deposits as of Q3 2010.

Return on Assets (YTD, annualized)

-0.02%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.08%+107 bps YoY

Efficiency Ratio (YTD, annualized)

64.27%-3,254 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q3 2009	Q4 2009	Q1 2010	Q2 2010	Q3 2010	YoY Δ	Trend
Earnings
Return on Assets	0.04%	0.37%	-1.11%	-0.01%	-0.02%	-6 bps
Return on Equity	0.42%	4.30%	-12.67%	-0.14%	-0.26%	-68 bps
Net Interest Margin	2.02%	2.07%	2.93%	3.00%	3.08%	+107 bps
Efficiency Ratio	96.82%	74.68%	72.42%	66.23%	64.27%	-3,254 bps
Non-Interest Burden	1.95%	1.51%	2.07%	1.93%	1.92%	-2 bps
Growth
Asset Growth (YoY)	68.43%	31.55%	10.36%	12.21%	-9.31%	-7,774 bps
Loan Growth (YoY)	12.16%	10.36%	10.82%	7.29%	-0.89%	-1,306 bps
Deposit Growth (YoY)	76.35%	32.26%	4.93%	12.03%	-10.53%	-8,688 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.00%	0.00%	0.00%	0.00%	0.48%	+48 bps
Allowance / Loans	1.04%	1.08%	2.11%	1.86%	2.08%	+104 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	11.06%	11.12%	13.21%	13.27%	13.75%	+269 bps
Equity / Assets	8.19%	8.64%	8.93%	9.03%	9.35%	+116 bps
Liquidity & Funding
Loans / Deposits	66.54%	67.29%	75.77%	73.42%	73.71%	+717 bps
Liquid Assets / Assets	34.82%	34.48%	32.59%	28.52%	24.37%	-1,045 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a