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Privatebank, National Association, The

Milwaukee, WI · Cert 58455

FDIC

Q3 2010

$184.3MAssets
$121.9MLoans
$165.4MDeposits
$17.2MEquity
Loan mix
53%RE $47.9M16%C&I $14.0M31%Consumer $28.2MQ3 2009Q3 2010
Deposit mix
86%Interest-bearing $141.8M14%Noninterest $23.6MQ3 2009Q3 2010

NIM

5.72%Q3 ’083.65%Q3 ’093.78%Q3 ’10-33%+18%

Non-interest income vs. expense

2.85%Q3 ’081.84%Q3 ’091.95%Q3 ’10-25%+4%

Executive Summary

  • Earnings: ROA of -0.04%, down 60 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 1.43%.
  • Funding: loans stand at 73.71% of deposits as of Q3 2010.

Financial Results

Return on Assets (quarter, annualized)

-0.04%-60 bps YoY

Net Interest Margin (quarter, annualized)

3.08%+46 bps YoY

Efficiency Ratio (quarter, annualized)

60.32%-716 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2009Q4 2009Q1 2010Q2 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets0.55%1.22%-1.11%1.11%-0.04%-60 bps
Return on Equity6.57%14.49%-12.67%12.39%-0.49%-706 bps
Net Interest Margin2.62%2.74%2.93%3.08%3.08%+46 bps
Efficiency Ratio67.48%27.62%72.42%60.38%60.32%-716 bps
Non-Interest Burden1.73%0.69%2.07%1.79%1.80%+6 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 / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%1.43%+143 bps
Allowance / Loans1.04%1.08%2.11%1.86%2.08%+104 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 Capital11.06%11.12%13.21%13.27%13.75%+269 bps
Equity / Assets8.19%8.64%8.93%9.03%9.35%+116 bps
Liquidity & Funding
Loans / Deposits66.54%67.29%75.77%73.42%73.71%+717 bps
Liquid Assets / Assets34.82%34.48%32.59%28.52%24.37%-1,045 bps
CRE / Total Capitaln/an/an/an/an/an/an/a