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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

6.31%Q4 ’086.11%Q4 ’095.53%Q4 ’10+31%-3%

Non-interest income vs. expense

2.82%Q4 ’081.93%Q4 ’092.68%Q4 ’10-44%+66%

Executive Summary

  • Earnings: ROA of 0.07%, down 107 bps year over year; NIM at 4.81%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 7.87%.
  • Funding: loans stand at 136.26% of deposits as of Q4 2010.

Financial Results

Return on Assets (quarter, annualized)

0.07%-107 bps YoY

Net Interest Margin (quarter, annualized)

4.81%-15 bps YoY

Efficiency Ratio (quarter, annualized)

49.21%+1,505 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2009Q1 2010Q2 2010Q3 2010Q4 2010YoY ΔTrend
Earnings
Return on Assets1.14%1.04%1.43%0.53%0.07%-107 bps
Return on Equity8.20%10.03%12.55%4.22%0.55%-765 bps
Net Interest Margin4.96%4.34%4.30%4.52%4.81%-15 bps
Efficiency Ratio34.16%31.50%27.70%45.70%49.21%+1,505 bps
Non-Interest Burden1.23%1.14%0.83%1.83%2.04%+81 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%0.36%7.87%+787 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