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Poplar Creek Community Bank

Rolling Meadows, IL · Cert 58575

FDIC

Q4 2010

$64.0MAssets
$49.4MLoans
$36.3MDeposits
$8.1MEquity
Deposit mix
80%Interest-bearing $28.9M20%Noninterest $7.3MQ4 2009Q4 2010

NIM

4.70%Q4 ’085.88%Q4 ’095.99%Q4 ’10+57%+14%

Non-interest income vs. expense

2.94%Q4 ’082.01%Q4 ’092.09%Q4 ’10-42%+14%

Executive Summary

  • Earnings: ROA of 0.80%, down 18 bps year over year; NIM at 4.94%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.06%.
  • Funding: loans stand at 136.26% of deposits as of Q4 2010.

Financial Results

Return on Assets (YTD, annualized)

0.80%-18 bps YoY

Net Interest Margin (YTD, annualized)

4.94%+59 bps YoY

Efficiency Ratio (YTD, annualized)

38.22%-206 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q2 2010Q3 2010Q4 2010YoY ΔTrend
Earnings
Return on Assets0.98%1.04%1.24%1.02%0.80%-18 bps
Return on Equity5.72%10.03%11.23%8.96%6.89%+117 bps
Net Interest Margin4.35%4.34%4.49%4.93%4.94%+59 bps
Efficiency Ratio40.28%31.50%29.64%34.56%38.22%-206 bps
Non-Interest Burden1.37%1.14%1.03%1.40%1.57%+19 bps
Growth
Asset Growth (YoY)129.30%98.57%53.85%61.50%-20.46%-14,976 bps
Loan Growth (YoY)71.67%39.92%29.89%36.41%-6.30%-7,796 bps
Deposit Growth (YoY)56.05%65.74%59.51%36.80%-13.55%-6,960 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%0.12%2.06%+206 bps
Allowance / Loans1.28%1.90%2.55%3.09%2.06%+78 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 Capital15.92%14.54%16.06%16.59%18.48%+256 bps
Equity / Assets10.54%10.12%12.90%12.43%12.61%+207 bps
Liquidity & Funding
Loans / Deposits125.71%116.27%118.70%133.41%136.26%+1,054 bps
Liquid Assets / Assets29.31%29.13%16.12%16.36%16.58%-1,273 bps
CRE / Total Capitaln/an/an/an/an/an/an/a