MONROE FINANCIAL PARTNERS, INC Chicago MSA Performance Review SECOND QUARTER 2016 CHICAGO GROWTH TRENDS* Takeaway:  Growth in Chicago picked up in the second quarter as , on average, grew loans and assets.

Asset Growth % Loan Growth %

5.00% 6.00% 4.37% 4.86%

4.00% 4.00% 3.34% 3.07% 1.90% 3.00% 2.00% 0.42% 0.08% 2.00% 0.00% 1.37% 1.41% 1.03% -1.11% 1.00% -2.00% 0.52%

0.00% -4.00% -3.98% -0.32% -0.33% -4.76% -1.00% -6.00% -0.85% -5.73%

-2.00% -8.00% 2009Y 2010Y 2011Y 2012Y 2013Y 2014Y 2015Y 2016Q1 2016Q2 2009Y 2010Y 2011Y 2012Y 2013Y 2014Y 2015Y 2016Q1 2016Q2

*Chicago MSA Medians LOAN GROWTH FOR Q2: TOP 10 CHICAGO BANKS Takeaway:  The only banks that achieved double digit loan growth did so with an acquisition. Top 10 Banks in Q2 Loan Growth Company Loan Growth (%) Loan Growth ($000s) Total Loans ($000s) Federal Savings (1) 31.3% $77,597 $325,442 Royal Savings Bank (2) 27.6% $43,430 $201,009 First Community Financial Bank (3) 12.8% $98,962 $873,368 Lake Forest B & T Co. 9.5% $194,672 $2,238,426 CenTrust Bank, NA 9.5% $5,372 $62,147 Belmont B & T Co. 8.4% $19,544 $252,915 1st Equity Bank 7.9% $5,588 $76,216 State Bank of the Lakes 7.7% $54,724 $767,439 Bridgeview Bank Group 7.6% $63,139 $896,973 STC Capital Bank 7.6% $12,630 $179,760 Chicago MSA Q2 Median 1.9% Chicago MSA Q2 Average 1.3% (1) Benefited from the acquisition of ICC Mortgage Services (2) Benefited from the acquisition of Park Bancorp, Inc. (3) Benefited from the acquisition of Mazon State Bank 1

MONROE FINANCIAL PARTNERS, INC Chicago MSA Performance Review SECOND QUARTER 2016 CHICAGO PROFITIBILITY TRENDS*

Takeaways:  Efficiencies continue to drive overall profitability improvements despite continuous pressure on margins.

Yield on Loans (%) Cost of Deposits (%) NIM (%)

5.8% 5.73% 2.5% 3.7% 5.68% 3.61% 3.6% 5.6% 3.57% 3.56% 5.48% 1.95% 5.38% 2.0% 3.6% 5.4% 3.5% 5.20% 3.47% 3.46% 5.2% 3.45% 5.04% 1.5% 3.5% 3.42% 1.23% 3.40% 5.0% 4.88% 3.4% 4.84% 4.80% 1.0% 0.89% 3.4% 4.8% 3.31% 0.64% 3.3% 4.6% 0.47% 0.5% 0.39% 0.36% 0.36% 0.38% 3.3% 4.4% 3.2% 4.2% 0.0% 3.2% 2009Y 2010Y 2011Y 2012Y 2013Y 2014Y 2015Y 2016Q1 2016Q2 2009Y 2010Y 2011Y 2012Y 2013Y 2014Y 2015Y 2016Q1 2016Q2 2009Y 2010Y 2011Y 2012Y 2013Y 2014Y 2015Y 2016Q1 2016Q2

Non-Interest Income (% Total Revenue) Efficiency Ratio (%) ROAA (%) 0.80% 0.75% 80% 14% 0.72% 78.7% 12.0% 0.70% 0.64% 78.3% 11.6% 0.63% 77.8% 12% 11.3% 11.3% 11.3% 11.6% 78% 77.3% 0.60% 10.2% 9.8% 10% 9.4% 0.50% 0.44% 76% 75.4% 75.4% 0.40% 75.0% 0.40% 74.4% 8% 74% 0.30% 0.19% 0.20% 6% 0.20% 71.8% 72% 4% 0.10% 0.00% 70% 2% -0.10% -0.09% 68% 0% -0.20% 2009Y 2010Y 2011Y 2012Y 2013Y 2014Y 2015Y 2016Q1 2016Q2 2009Y 2010Y 2011Y 2012Y 2013Y 2014Y 2015Y 2016Q1 2016Q2 2009Y 2010Y 2011Y 2012Y 2013Y 2014Y 2015Y 2016Q1 2016Q2

*Chicago MSA Medians CHICAGO ASSET QUALITY TRENDS* Takeaways:  Net charge offs remain negligible.

NPAs / Assets (%) Adj. Texas Ratio (%) NCOs / Avg. Loans (%) 5% 50% 1.0% 4.4% 45% 4.2% 0.90% 4.2% 45% 0.85% 41% 0.9% 0.82% 4% 39% 0.80% 40% 37% 0.8% 3.3% 3.4% 35% 31% 0.7% 3% 2.7% 30% 0.6% 0.52% 2.1% 25% 23% 0.5% 2% 1.8% 1.7% 18% 20% 0.4% 15% 15% 0.31% 15% 0.3% 1% 10% 0.2% 0.13% 5% 0.1% 0.02% 0.03% 0% 0% 0.0% 2009Y 2010Y 2011Y 2012Y 2013Y 2014Y 2015Y 2016Q1 2016Q2 2009Y 2010Y 2011Y 2012Y 2013Y 2014Y 2015Y 2016Q1 2016Q2 2009Y 2010Y 2011Y 2012Y 2013Y 2014Y 2015Y 2016Q1 2016Q2

*Chicago MSA Medians 2

MONROE FINANCIAL PARTNERS, INC Chicago MSA Performance Review SECOND QUARTER 2016 PROFITABILITY FOR Q2: TOP 10 CHICAGO BANKS Takeaway:  Smaller banks, with high noninterest income and low efficiency ratios, dominate the leader- board in 2016. Top 10 Banks in Q2 Pretax ROAA (%) Pretax Non-Int Inc Efficiency Company ROAA (%) NIM (%) (% of Assets) Ratio (%) Assets ($000) Federal Savings Bank 13.03% 3.52% 7.95% 78.81% $365,414 American Metro Bank (1) 4.03% 4.64% 4.03% 49.96% $62,639 Barrington B & T Co., NA 3.06% 3.03% 1.87% 70.96% $2,075,114 Lake Forest B & T Co. 2.77% 3.10% 1.73% 43.63% $3,149,107 Grand Ridge National Bank 2.57% 5.61% 1.58% 54.76% $135,920 Washington Federal Bnk for Savings 2.44% 4.64% 1.49% 45.37% $150,127 Royal Savings Bank 2.27% 3.74% 1.71% 51.14% $302,190 Millennium Bank 2.26% 4.69% 2.26% 60.03% $82,357 International Bank of Chicago (2) 2.25% 3.92% 2.22% 43.73% $497,833 Lakeside Bank (2) 2.18% 3.83% 2.15% 43.65% $1,320,875 Chicago MSA Q2 Median 0.98% 3.42% 0.75% 71.82% Chicago MSA Q2 Average 0.87% 3.44% 0.60% 79.63% (1) Includes excess fair value on OREO acquired (2) Includes a material decrease in provision expenses NET INTEREST MARGIN FOR Q2: TOP 10 CHICAGO BANKS* Takeaway:  Loan mix and balance sheet utilization continue to be major drivers in above peer margins. Top 10 Banks in Q2 Net Interest Margin (%) Company NIM (%) Yield on Loans (%) Cost of Deposits (%) Lns / Dep (%) Metropolitan Capital B & T 5.99% 8.35% 1.12% 87% Grand Ridge National Bank 5.61% 6.62% 0.34% 97% LincolnWay Community Bank 4.84% 6.73% 0.72% 86% Millennium Bank 4.69% 5.63% 0.53% 91% Washington Federal Bnk for Savings 4.64% 6.42% 1.07% 95% American Metro Bank 4.64% 6.69% 0.64% 97% Urban Partnership Bank 4.62% 6.92% 0.56% 74% American Eagle Bank 4.59% 6.17% 1.16% 100% Countryside Bank 4.48% 6.11% 0.38% 71% First B & T Co. of Illinois 4.43% 5.90% 0.40% 78% Community Bank of Oak Park River Forest 4.39% 5.48% 0.13% 81% Chicago MSA Q2 Median 3.42% 4.80% 0.38% 81% Chicago MSA Q2 Average 3.44% 4.85% 0.42% 78%

*Ranked by highest net interest margin (%) 3 CHICAGO 2016 Q2 COMMUNITY BANK SURVEY* GROWTH SPREAD PROFITABILITY CAPITAL & ASSET QUALITY Non-Int. Company Information ASSETS Q/Q Yield Cost Spread Exp Earnings Capital Asset Quality Income PTPC/ Adj. Adj. EFF Lev. NCOs/ Company Name City State Parent Total Assets Assets Loans Loan Funds NIM Assets Avg. ROAA ROAE Texas NPAs/ Ratio Ratio Avg Lns Assets Ratio Assets $mm % % % % % % % % % % % % % % 1st Equity Bank Skokie IL First Equity Corp. 92,475 (1.3%) 7.9% 4.80 0.59 3.45 0.11 62 1.31 1.29 8.44 15.3 16 2.71 (0.03) 1st Equity Bank Northwest Buffalo Grove IL Northwest Equity Corp. 36,960 1.7% 3.6% 4.50 0.82 2.82 0.00 99 0.02 0.02 0.10 22.1 3 0.75 0.54 A J Smith Federal Savings Bank Midlothian IL AJS Bancorp, Inc. 202,131 (2.2%) (2.9%) 3.73 0.36 2.32 0.33 86 0.00 0.34 2.30 14.1 11 1.72 (0.05) ABC Bank Chicago IL Greater Chicago Financial Corp. 334,322 1.6% 1.2% 5.48 0.73 3.89 0.63 74 0.00 1.01 8.55 11.9 48 6.36 1.02 Albany B & T Co., NA Chicago IL Albank Corporation 547,942 (2.9%) 2.5% 4.25 0.10 3.11 0.18 57 1.31 0.74 4.86 15.1 4 0.47 (0.04) Algonquin State Bank, NA Algonquin IL First Algonquin Company 137,812 3.3% (1.3%) 4.74 0.13 2.57 0.43 104 (0.40) 0.66 5.51 10.7 15 1.79 (1.10) Allied First Bank, SB Oswego IL Allied First Bancorp, Inc. 89,618 (22.3%) 0.7% 4.68 0.66 2.78 38.60 98 1.02 0.75 9.95 6.4 31 3.12 (1.04) Amalgamated Bank of Chicago Chicago IL Amalgamated Investments Company 840,104 5.0% (6.1%) 4.98 0.09 3.04 2.65 86 0.77 0.41 4.08 10.5 14 1.36 0.13 American Chartered Bank Schaumburg IL American Chartered Bancorp, Inc. 2,774,526 (1.0%) (0.9%) 4.33 0.14 3.65 0.70 50 2.12 1.14 12.80 9.2 10 1.03 0.31 American Community B & T Woodstock IL American Community Financial, Inc. 525,895 4.3% (0.2%) 4.57 0.31 2.93 0.52 62 1.21 0.77 5.86 12.8 19 2.68 0.24 American Community Bank of Indiana Munster IN AMB Financial Corp. 199,515 5.0% 3.5% 4.83 0.48 3.99 0.50 69 0.00 0.81 8.20 10.0 10 1.05 0.03 American Eagle Bank South Elgin IL Orchid Financial Bancorp, Inc. 189,845 (1.5%) 1.5% 6.17 1.17 4.59 0.33 57 2.00 0.99 11.37 8.7 6 0.53 0.31 American Eagle Bank of Chicago Chicago IL Orchid Financial Bancorp, Inc. 81,249 2.2% 1.7% 5.75 1.31 3.71 0.06 71 0.99 0.62 5.62 11.0 0 0.03 0.18 American Enterprise Bank Buffalo Grove IL A. E. Bancorp, Inc. 209,056 (7.3%) (3.8%) 4.63 0.45 3.36 0.70 126 (1.17) (0.94) (9.19) 9.9 91 11.26 (0.13) American Heartland B & T Sugar Grove IL American Heartland Bancshares, Inc. 176,839 7.1% 6.8% 5.15 1.06 3.64 0.05 75 0.90 0.88 8.30 10.3 15 1.66 0.00 American Metro Bank Chicago IL American Metro Bancorp, Inc. 62,639 0.6% 4.6% 6.69 0.70 4.64 3.51 50 3.73 4.03 34.77 12.1 69 9.17 2.19 Bank of Montgomery Montgomery IL Montgomery Bancshares, Inc. 42,694 2.4% 6.6% 5.79 0.42 3.29 0.13 73 0.91 1.39 14.13 8.3 8 0.83 (0.16) BankFinancial, F.S.B. Olympia Fields IL BankFinancial Corporation 1,497,530 (0.8%) (2.0%) 4.01 0.33 3.27 0.42 76 0.83 0.28 2.39 10.3 6 0.67 0.60 Barrington B & T Co., NA Barrington IL Corporation 2,075,114 7.4% 7.4% 3.46 0.31 3.03 8.08 71 3.15 1.87 17.92 9.7 8 0.49 0.17 Belmont B & T Co. Chicago IL Belmont Financial Group, Inc. 346,212 (0.1%) 8.4% 5.34 0.55 3.79 0.27 42 2.23 1.36 13.84 9.7 14 1.59 0.00 Ben Franklin Bank of Illinois Arlington Heights IL Ben Franklin Financial, Inc. 80,852 (1.1%) 1.2% 4.41 0.45 3.00 0.15 152 (1.62) (1.47) (14.52) 9.9 38 4.25 (0.01) Beverly B & T Co., NA Chicago IL Wintrust Financial Corporation 1,079,376 6.6% 7.2% 3.92 0.45 3.16 1.39 91 0.34 0.07 0.67 10.2 3 0.30 0.07 Brickyard Bank Lincolnwood IL Brickyard Bancorp, Inc. 113,805 2.5% 1.2% 4.82 0.61 2.98 1.45 99 (0.44) 0.03 0.35 8.2 144 12.19 0.00 Bridgeview Bank Group Bridgeview IL Bridgeview Bancorp, Inc. 1,156,960 5.9% 7.6% 5.00 0.43 4.12 11.75 84 2.70 1.28 11.12 10.0 22 2.67 0.13 Builders Bank Chicago IL Builders Financial Corporation 100,323 (22.9%) (26.1%) 5.64 0.79 2.75 0.04 139 (0.94) (0.90) (5.97) 15.2 83 15.67 (0.61) Burling Bank Chicago IL Burling Bancorp, Inc. 120,239 (2.7%) 5.1% 4.75 0.18 3.21 0.35 69 0.96 0.88 9.39 9.6 0 0.00 (0.01) Byline Bank Chicago IL Byline Bancorp, Inc. 2,649,207 3.4% 6.8% 4.80 0.20 3.48 0.69 86 0.58 0.48 4.90 8.3 36 1.04 0.67 Centier Bank Merrillville IN First Bancshares, Inc. 3,379,794 6.1% 6.5% 4.03 0.24 3.45 1.45 59 1.95 1.14 11.41 10.1 5 0.51 0.04 Central Federal S & L Cicero IL 168,405 1.3% (1.4%) 5.08 0.54 2.74 0.21 97 (0.09) 0.48 4.81 9.9 43 4.77 (0.13) Central Federal S & L of Chicago Chicago IL 111,200 0.1% 3.7% 4.77 0.50 4.17 0.34 84 0.71 0.42 1.85 21.5 1 0.18 (0.03) CenTrust Bank, NA Northbrook IL United Community Bancshares, Inc. 81,809 1.3% 9.5% 5.30 0.67 4.10 (1.85) 289 (0.30) (4.49) (41.54) 10.2 87 9.53 2.13 Community Bank of Elmhurst Elmhurst IL Community Bancshares of Elmhurst 163,512 (0.4%) (0.8%) 4.67 0.13 3.27 0.16 83 0.51 0.33 4.18 7.2 7 0.63 0.41 *Bank Level Data for 2016 Q2. Quarterly earnings are annualized. Excludes banks under $10 mm in Assets, over $25 B in Assets, and banks with < 50% Deposits in Chicago. 4 CHICAGO 2016 Q2 COMMUNITY BANK SURVEY* (CONT.) GROWTH SPREAD PROFITABILITY CAPITAL & ASSET QUALITY Non-Int. Company Information ASSETS Q/Q Yield Cost Spread Exp Earnings Capital Asset Quality Income PTPC/ Adj. Adj. EFF Lev. NCOs/ Company Name City State Parent Total Assets Assets Loans Loan Funds NIM Assets Avg. ROAA ROAE Texas NPAs/ Ratio Ratio Avg Lns Assets Ratio Assets $mm % % % % % % % % % % % % % % Community Bank of Oak Park River Forest Oak Park IL Oak Park River Forest Bankshares, Inc. 301,287 2.1% 6.7% 5.48 0.13 4.39 0.42 72 1.27 0.85 8.74 9.4 25 2.35 (0.14) Community Savings Bank Chicago IL 406,502 0.1% 0.5% 4.56 0.60 2.60 0.10 97 0.09 0.41 2.73 15.0 21 3.30 (0.03) Community State Bank Brook IN 58,425 (5.9%) 4.0% 5.64 0.93 3.66 0.60 56 1.76 0.60 6.02 9.4 81 9.38 2.09 Cornerstone National B & T Co. Palatine IL Cornerstone Bancorp, Inc. 504,974 0.3% 1.1% 4.44 0.26 3.09 1.09 66 1.35 0.87 7.71 11.1 11 1.47 (0.03) Countryside Bank Countryside IL SBC, Incorporated 587,919 1.0% 1.8% 6.11 0.43 4.48 0.53 61 1.85 1.66 16.63 9.3 14 1.59 0.19 Crystal Lake B & T Co., NA Crystal Lake IL Wintrust Financial Corporation 987,477 5.2% 7.1% 3.61 0.58 2.72 0.31 51 1.45 0.76 8.53 9.2 9 0.84 0.34 Delaware Place Bank Chicago IL Chicago Shore Corporation 245,785 (2.3%) 1.7% 4.57 0.44 3.03 (0.46) 139 (0.31) 0.18 1.75 7.6 33 3.39 0.13 DeMotte State Bank Demotte IN DeMotte Bancorp 387,945 4.2% 2.0% 5.57 0.74 3.42 0.70 67 1.21 0.86 6.94 12.5 23 2.86 0.04 Devon Bank Chicago IL Devon Bancorp, Inc. 256,816 1.5% 3.0% 5.11 0.35 4.33 2.18 91 0.46 0.30 3.62 8.3 48 4.38 0.17 Evergreen Bank Group Oak Brook IL Bancorp Financial, Inc. 721,244 2.1% 6.8% 5.68 0.74 4.20 0.22 53 2.00 1.07 10.95 9.9 1 0.10 0.21 Federal Savings Bank Chicago IL National Bancorp Holdings, Inc. 365,414 26.8% 31.3% 4.60 0.67 3.52 58.34 79 13.06 7.95 50.14 16.8 4 0.60 (0.02) First American Bank Elk Grove Village IL First American Bank Corporation 3,467,563 2.3% 2.2% 4.23 0.30 2.75 1.58 56 1.03 1.73 17.42 9.0 14 1.47 0.06 First B & T Evanston IL First Evanston Bancorp, Inc. 1,014,647 (4.6%) 2.6% 4.02 0.28 3.03 0.51 67 1.11 0.64 7.65 8.4 7 0.63 0.03 First B & T Co. of Illinois Palatine IL Northwest Bancorporation of Illinois 206,491 (2.2%) 6.7% 5.90 0.39 4.43 0.44 85 0.60 0.60 5.70 10.6 139 16.07 0.00 First Bank of Highland Park Highland Park IL Bank of Highland Park Financial Corp. 1,492,268 2.7% (1.3%) 3.32 0.89 2.39 0.07 61 1.03 0.94 9.47 10.0 38 3.87 0.04 First Bank of Manhattan Manhattan IL Manhattan Bancshares, Inc. 156,073 1.6% 2.7% 5.36 0.07 3.48 0.35 74 0.90 0.90 8.73 10.0 15 1.68 (0.02) First Community B & T Beecher IL First Community Bancorp, Inc. 143,185 1.0% (1.1%) 5.46 0.08 3.90 1.74 78 0.87 0.43 3.59 10.8 69 8.66 1.04 First Community Bank Elgin IL First Community Financial Corporation 177,211 (0.6%) 0.9% 5.12 0.28 2.85 0.48 72 0.73 0.56 4.50 12.3 40 5.20 0.09 First Community Financial Bank Plainfield IL First Community Financial Partners, Inc. 1,121,867 6.1% 12.8% 4.37 0.42 3.54 0.27 59 1.46 0.99 8.30 11.6 5 0.59 (0.10) First Eagle Bank Chicago IL First Eagle Bancshares, Inc. 464,178 (2.6%) (1.1%) 5.22 0.62 4.05 0.23 41 2.26 2.12 15.11 13.5 3 0.40 (0.02) First Midwest Bank Itasca IL , Inc. 10,870,016 2.5% 2.1% 4.39 0.17 3.73 1.40 57 2.05 1.10 9.66 8.7 7 0.58 0.26 First National Bank of Brookfield Brookfield IL 159,146 1.2% 1.4% 4.84 0.16 3.81 0.26 65 1.55 0.98 10.64 9.1 55 5.66 0.14 First National Bank of McHenry McHenry IL First McHenry Corporation 167,085 5.0% 6.5% 5.30 0.28 2.75 0.45 81 0.47 0.41 3.93 9.7 19 2.04 (0.02) First Nations Bank Chicago IL Illinois State Bancorp, Inc. 330,147 1.8% (3.4%) 4.52 0.67 3.24 0.10 49 1.69 1.03 9.14 11.4 8 1.14 0.20 First Personal Bank Orland Park IL First Personal Financial Corporation 151,368 (0.9%) 2.1% 4.84 0.27 3.54 0.46 81 0.57 0.32 3.34 9.0 43 4.48 0.12 First Savings Bank of Hegewisch Chicago IL 614,805 (0.2%) (1.4%) 3.94 0.50 2.57 0.20 70 0.80 0.43 3.29 13.2 2 0.24 0.07 First Security Trust and Savings Bank Elmwood Park IL First Security Bancorp, Inc. 243,728 (1.1%) 6.1% 4.74 0.14 3.09 0.35 87 0.36 0.36 3.24 8.3 21 2.56 (0.05) First State Bank of Porter Porter IN 145,341 1.5% 1.3% 5.28 0.41 3.41 0.39 63 1.02 0.97 6.75 13.3 12 1.80 0.01 FirstSecure B & T Co. Palos Hills IL Community Holdings Corporation 60,688 6.5% 5.5% 5.40 0.64 4.19 0.41 110 0.00 (0.49) (4.22) 14.3 25 0.00 (0.06) FNBC B & T La Grange IL F.N.B.C. of La Grange, Inc. 540,150 (2.6%) 5.2% 4.53 0.09 3.11 0.87 77 0.91 0.86 9.03 8.9 20 2.07 (0.04) Forest Park National B & T Co. Forest Park IL First Forest Park Corporation 237,981 0.2% (0.9%) 5.22 0.28 4.24 0.49 76 1.00 0.97 12.04 7.9 23 2.06 (0.07) Glenview State Bank Glenview IL Cummins-American Corp. 1,235,789 (0.6%) 1.9% 3.07 0.11 2.12 0.62 70 0.78 0.83 7.70 10.4 0 0.02 (0.03) *Bank Level Data for 2016 Q2. Quarterly earnings are annualized. Excludes banks under $10 mm in Assets, over $25 B in Assets, and banks with < 50% Deposits in Chicago.

5 CHICAGO 2016 Q2 COMMUNITY BANK SURVEY* (CONT.) GROWTH SPREAD PROFITABILITY CAPITAL & ASSET QUALITY Non-Int. Company Information ASSETS Q/Q Yield Cost Spread Exp Earnings Capital Asset Quality Income PTPC/ Adj. Adj. EFF Lev. NCOs/ Company Name City State Parent Total Assets Assets Loans Loan Funds NIM Assets Avg. ROAA ROAE Texas NPAs/ Ratio Ratio Avg Lns Assets Ratio Assets $mm % % % % % % % % % % % % % % Gold Coast Bank Chicago IL GC Bancorp, Inc. 367,268 4.8% 4.4% 5.71 1.18 3.94 0.18 41 2.36 1.03 9.39 11.1 8 1.04 (0.48) Golden Eagle Community Bank Woodstock IL Golden Eagle Bancorp, Inc. 141,823 (2.6%) 2.3% 4.98 0.82 3.71 0.31 81 0.79 0.67 5.75 11.0 25 3.26 (0.01) Grand Ridge National Bank Grand Ridge IL Premier Commerce Bancorp, Inc. 135,920 0.9% 6.4% 6.62 0.34 5.61 0.22 55 2.57 1.58 11.51 12.9 2 0.24 0.00 Grundy Bank Morris IL Illinois Valley Bancorp, Inc. 267,213 (0.3%) 4.0% 5.12 0.12 3.39 1.25 61 1.73 1.68 14.97 9.8 16 1.64 0.01 Harvard Savings Bank Harvard IL Wonder Bancorp, Inc. 141,645 (0.3%) 0.1% 5.00 0.68 3.58 0.14 88 0.53 0.68 6.95 9.8 37 3.67 0.02 Harvard State Bank Harvard IL Harvard Bancshares, Inc. 224,187 5.9% 1.2% 5.11 0.32 3.62 0.60 71 1.14 0.89 7.73 10.2 5 0.51 (0.70) Heritage Bank of Schaumburg Schaumburg IL Schaumburg Bancshares, Inc. 138,274 0.3% 4.7% 4.88 0.14 3.22 0.25 68 0.98 0.97 7.25 8.0 30 2.48 (0.01) Hinsdale B & T Co. Hinsdale IL Wintrust Financial Corporation 2,012,918 3.4% 0.9% 4.28 0.31 3.64 0.71 49 2.02 1.23 8.93 10.3 16 0.72 0.04 Home State Bank, NA Crystal Lake IL Home State Bancorp, Inc. 595,098 0.1% (0.9%) 4.88 0.35 3.74 1.54 85 0.91 0.64 5.35 12.0 35 4.48 0.28 Hoyne Savings Bank Chicago IL Hoyne Savings, MHC 269,166 0.0% (0.9%) 4.35 0.38 2.32 0.04 114 (0.32) (0.32) (1.71) 18.5 7 1.42 (0.66) Illinois-Service Federal S & L Chicago IL Groupe Nduom 109,621 8.5% (4.5%) 5.24 0.39 2.48 0.39 205 (2.92) (2.67) (43.50) 10.3 63 6.97 6.62 Inland B & T Oak Brook IL Inland Bancorp, Inc. 1,056,888 (3.5%) (3.7%) 4.55 0.55 3.36 1.99 70 1.60 0.75 6.07 12.1 19 2.56 0.29 International Bank of Chicago Chicago IL IBC Bancorp, Inc. 497,833 (1.0%) 3.4% 5.82 0.50 3.92 0.18 44 2.22 2.22 15.71 13.2 15 2.34 0.10 Itasca B & T Co. Itasca IL Itasca Bancorp Inc. 480,715 0.2% 2.1% 4.88 0.14 3.80 0.60 64 1.48 0.95 10.07 9.5 19 1.99 (0.01) Kentland Bank Kentland IN KenBancorp 298,722 (0.6%) 0.2% 5.76 0.59 3.90 0.47 56 1.66 1.23 8.78 13.6 14 1.87 0.02 Lake Federal Bank, FSB Hammond IN First Savings Bank of Hegewisch 62,517 (3.5%) 0.3% 4.33 0.34 3.20 0.09 183 (2.60) (2.62) (11.70) 22.0 0 0.00 0.59 Lake Forest B & T Co. Lake Forest IL Wintrust Financial Corporation 3,149,107 10.1% 9.5% 3.98 0.30 3.10 2.43 44 2.92 1.73 16.73 9.6 5 0.50 0.29 Lakeside Bank Chicago IL Lakeside Bancorp, Inc. 1,320,875 (0.0%) 2.0% 5.01 0.56 3.83 0.13 44 2.29 2.15 16.51 13.4 7 1.03 0.08 Leaders Bank Oak Brook IL 329,794 (3.7%) (2.3%) 4.85 0.75 3.64 0.20 70 1.12 1.12 9.14 11.3 86 11.93 (0.02) Lemont National Bank Lemont IL Lemont Bancorp, Inc. 57,222 0.5% 3.9% 4.51 0.08 2.48 0.27 112 (0.30) (0.17) (2.21) 5.2 0 0.00 0.00 Liberty Bank for Savings Chicago IL 835,059 1.6% 6.0% 3.71 0.36 2.64 0.22 72 0.72 0.49 2.15 22.3 2 0.55 0.01 Libertyville B & T Co. Libertyville IL Wintrust Financial Corporation 1,304,922 6.4% 3.4% 3.47 0.33 2.96 0.29 48 1.64 1.01 10.08 9.7 5 0.50 0.01 LincolnWay Community Bank New Lenox IL LWCBancorp, Inc. 181,138 0.5% 1.0% 6.73 0.72 4.84 0.77 59 2.18 1.35 13.12 10.4 24 2.84 (0.02) Lisle Savings Bank Lisle IL 544,538 0.7% 0.8% 3.95 0.57 2.58 0.28 57 0.99 1.13 5.59 20.0 17 3.63 0.21 Loomis Federal S & L Chicago IL 76,690 (1.7%) (3.9%) 4.98 0.20 2.91 0.04 80 0.59 0.43 1.86 23.4 13 3.23 0.00 Marquette Bank Orland Park IL Marquette National Corporation 1,564,165 0.6% (0.6%) 4.08 0.15 3.47 1.05 83 0.78 0.38 3.44 8.4 24 2.12 0.38 Mazon State Bank Mazon IL First Community Financial Partners 81,683 (2.9%) 1.4% 4.70 0.09 3.05 0.82 125 (0.87) (1.17) (12.65) 8.9 10 0.67 0.07 MB Financial Bank, NA Chicago IL MB Financial, Inc. 15,943,020 2.7% 4.2% 4.19 0.23 3.60 2.67 67 1.82 1.15 8.23 9.5 10 0.84 0.08 McHenry Savings Bank McHenry IL McHenry Bancorp, Inc. 252,507 (0.2%) 2.0% 5.17 0.49 3.46 0.40 100 (0.20) (0.02) (0.51) 3.7 104 4.72 0.29 Merchants and Manufacturers Bank Joliet IL Merchants & Manufacturers Bk Corp. 231,449 3.1% 1.8% 4.61 0.32 4.13 0.44 76 1.07 0.61 7.43 8.1 0 0.00 (0.07) Metropolitan Capital B & T Chicago IL Metropolitan Capital Bancorp, Inc. 230,400 8.6% (0.4%) 8.35 1.25 5.99 0.20 82 0.94 0.60 6.73 9.0 34 3.33 0.00 Midland Federal S & L Bridgeview IL Midland Capital Holdings Corp. 122,000 1.8% (3.3%) 4.68 0.19 2.69 0.25 103 (0.08) (0.06) (0.66) 8.9 21 1.93 0.05 *Bank Level Data for 2016 Q2. Quarterly earnings are annualized. Excludes banks under $10 mm in Assets, over $25 B in Assets, and banks with < 50% Deposits in Chicago. 6 CHICAGO 2016 Q2 COMMUNITY BANK SURVEY* (CONT.) GROWTH SPREAD PROFITABILITY CAPITAL & ASSET QUALITY Non-Int. Company Information ASSETS Q/Q Yield Cost Spread Exp Earnings Capital Asset Quality Income PTPC/ Adj. Adj. EFF Lev. NCOs/ Company Name City State Parent Total Assets Assets Loans Loan Funds NIM Assets Avg. ROAA ROAE Texas NPAs/ Ratio Ratio Avg Lns Assets Ratio Assets $mm % % % % % % % % % % % % % % Millennium Bank Des Plaines IL Millennium Bancorp, Inc. 82,357 9.6% 2.5% 5.63 0.57 4.69 1.78 60 2.41 2.26 23.16 10.1 20 2.03 (0.01) Mutual Federal Bank (MHC) Chicago IL Mutual Federal Bancorp, MHC 79,719 (0.8%) 1.6% 5.16 0.61 3.82 0.11 95 0.21 0.19 1.18 16.6 31 5.54 0.16 NorStates Bank Waukegan IL Northern States Financial Corp. 497,964 2.5% 3.8% 4.66 0.09 3.10 0.67 86 0.46 0.34 2.60 10.6 20 2.88 0.26 North Shore Trust and Savings Waukegan IL North Shore, MHC 235,336 (2.5%) (2.4%) 4.71 0.43 2.47 0.63 90 0.14 0.20 1.07 18.2 9 1.63 0.17 North Side Federal S & L of Chicago Chicago IL 45,326 0.3% 0.5% 5.33 0.25 3.19 0.31 112 (0.39) (0.27) (2.75) 10.5 38 3.55 (0.31) Northbrook B & T Co. Northbrook IL Wintrust Financial Corporation 1,792,582 8.0% 2.2% 3.56 0.27 2.73 0.24 52 1.40 0.81 9.31 8.3 7 0.53 (0.01) Northside Community Bank Gurnee IL AliKat Investments, Inc. 235,056 2.5% 4.9% 4.37 0.14 3.70 0.49 96 (0.11) 0.55 2.43 21.2 15 3.55 (0.40) Oak Bank Chicago IL Rush-Oak Corporation 197,813 0.8% 3.4% 4.26 0.34 3.32 0.44 68 1.14 0.66 4.04 16.4 21 2.81 (0.02) Old Plank Trail Community Bank, NA Mokena IL Wintrust Financial Corporation 1,236,657 1.0% 1.1% 3.68 0.23 3.14 0.27 74 0.81 0.45 4.57 8.9 9 0.75 (0.03) Old Second National Bank Aurora IL Old Second Bancorp, Inc. 2,137,304 1.8% 1.9% 4.50 0.23 3.42 1.28 66 1.56 0.94 9.34 10.3 15 1.62 0.15 Oxford B & T Oak Brook IL Oxford Financial Corporation 492,099 1.6% 7.1% 5.17 0.15 3.91 0.38 80 0.70 0.73 7.99 8.6 37 3.68 (0.03) Pacific Global Bank Chicago IL PGB Holdings, Inc. 171,215 3.5% 4.5% 5.66 0.51 4.32 0.31 61 1.77 1.11 9.56 11.7 7 0.90 0.34 Pan American Bank Melrose Park IL American Bancorp of Illinois, Inc. 292,665 (3.6%) (0.0%) 5.30 0.63 3.97 0.13 83 0.50 0.50 5.58 8.7 31 3.14 0.15 Park Ridge Community Bank Park Ridge IL Community Bank Corporation 288,935 2.2% 0.9% 5.43 0.20 3.63 0.11 46 1.84 1.87 14.32 12.9 8 1.17 0.00 Parkway B & T Co. Harwood Heights IL Parkway Bancorp, Inc. 2,463,545 6.1% 2.7% 4.33 0.74 2.95 0.27 54 1.30 0.72 6.99 10.0 43 4.66 0.33 PeopleFirst Bank Joliet IL 112,324 (1.0%) (0.0%) 4.65 0.56 3.61 0.42 80 0.75 0.46 3.74 12.0 27 3.66 0.13 Peoples Bank, Savings Bank Munster IN NorthWest Indiana Bancorp 909,717 4.8% 2.7% 4.43 0.30 3.58 0.74 63 1.35 1.00 10.37 9.0 11 1.03 0.11 Prairie Community Bank Marengo IL Marengo Bancshares, Inc. 112,157 2.2% 3.2% 4.95 0.41 3.66 0.91 68 1.06 1.38 15.47 8.8 73 7.98 0.24 PrivateB & T Co. Chicago IL PrivateBancorp, Inc. 18,155,284 2.9% 4.2% 4.19 0.40 3.37 0.81 46 2.23 1.33 11.66 10.9 6 0.69 0.07 Prospect Federal Savings Bank Worth IL 240,833 0.1% 6.6% 5.31 0.70 1.66 0.12 125 (0.40) (0.33) (2.51) 13.1 9 1.23 0.10 Providence B & T South Holland IL Providence Financial Corporation 506,884 0.4% 0.7% 5.05 0.33 4.16 0.59 64 1.53 0.98 9.17 10.3 8 0.89 (0.01) Pulaski Savings Bank Chicago IL 43,275 1.0% (1.7%) 4.69 0.70 2.50 0.07 142 (0.99) (0.96) (8.89) 10.7 18 1.99 0.00 Republic Bank of Chicago Oak Brook IL Republic Bancorp Co. 1,754,615 (0.8%) (0.7%) 5.33 0.74 3.91 0.92 60 1.79 1.48 12.75 11.6 31 3.62 (0.07) Resource Bank, NA DeKalb IL Resource Bancshares, Inc. 415,094 2.8% (0.8%) 4.61 0.36 3.48 1.26 78 0.71 0.64 6.32 9.4 26 2.54 (0.01) Royal Savings Bank Chicago IL Royal Financial, Inc. 302,190 47.5% 27.6% 5.78 0.38 3.74 0.99 51 2.32 1.71 14.85 8.3 2 0.22 (0.04) Schaumburg B & T Co., NA Schaumburg IL Wintrust Financial Corporation 977,334 4.3% (1.0%) 3.71 0.46 2.97 0.98 66 1.18 0.61 5.82 9.7 11 1.01 0.13 Seaway B & T Co. Chicago IL Seaway Bancshares, Inc. 378,781 1.6% (4.3%) 4.58 0.49 2.97 2.10 158 (2.58) (2.72) (40.14) 3.2 79 6.64 0.10 Rosemont IL Signature Bancorporation, Inc. 554,107 (0.8%) 2.9% 5.06 0.43 3.75 0.43 50 2.05 1.31 15.50 8.6 8 0.50 0.19 South Central Bank, NA Chicago IL First Business Bancorp Co. 282,634 7.6% (2.3%) 6.00 0.54 2.88 0.47 88 0.23 0.21 2.49 7.9 15 1.32 0.58 Southport Bank Kenosha WI Southport Financial Corporation 277,913 2.7% 0.0% 4.73 0.56 3.70 0.42 70 1.29 0.97 9.82 9.2 10 1.11 (0.20) St. Charles B & T Co. Saint Charles IL Wintrust Financial Corporation 847,450 4.4% 2.3% 3.89 0.44 3.23 0.31 58 1.39 0.82 7.46 9.9 9 0.59 0.03 Standard B & T Co. Hickory Hills IL Standard Bancshares, Inc. 2,451,560 (0.1%) (0.6%) 4.39 0.20 3.49 0.99 64 1.51 0.69 6.71 10.2 20 2.13 0.75 *Bank Level Data for 2016 Q2. Quarterly earnings are annualized. Excludes banks under $10 mm in Assets, over $25 B in Assets, and banks with < 50% Deposits in Chicago. 7 CHICAGO 2016 Q2 COMMUNITY BANK SURVEY* (CONT.) GROWTH SPREAD PROFITABILITY CAPITAL & ASSET QUALITY Non-Int. Company Information ASSETS Q/Q Yield Cost Spread Exp Earnings Capital Asset Quality Income PTPC/ Adj. Adj. EFF Lev. NCOs/ Company Name City State Parent Total Assets Assets Loans Loan Funds NIM Assets Avg. ROAA ROAE Texas NPAs/ Ratio Ratio Avg Lns Assets Ratio Assets $mm % % % % % % % % % % % % % % State Bank Wonder Lake IL Wonder Bancorp, Inc. 171,605 (3.4%) 3.4% 4.83 0.14 3.67 0.45 80 0.82 0.54 4.26 12.7 13 1.74 0.55 State Bank of Geneva Geneva IL Geneva Bancshares, Inc. 87,331 1.5% (0.8%) 4.63 0.29 2.85 0.92 111 (0.38) (0.34) (3.64) 9.2 33 3.42 0.00 State Bank of the Lakes Antioch IL Wintrust Financial Corporation 1,027,714 1.0% 7.7% 3.66 0.36 3.08 0.55 59 1.33 0.82 6.04 8.8 9 0.73 0.06 STC Capital Bank Saint Charles IL STC Bancshares Corp 223,399 1.3% 7.6% 5.09 0.43 4.15 0.69 72 1.28 0.96 8.66 11.1 9 1.12 0.00 Town Center Bank New Lenox IL 102,588 (1.1%) (10.3%) 5.14 0.62 3.14 0.41 97 0.10 0.10 1.01 9.0 3 0.33 (0.02) Union National Bank Elgin IL Elgin Bancshares, Inc. 277,013 (0.1%) (2.4%) 4.32 0.64 3.39 (0.03) 69 1.02 0.95 7.01 13.3 24 3.64 (0.01) United Trust Bank Palos Heights IL United Bancorp, Inc. 39,373 9.6% 3.0% 5.23 0.74 3.15 0.84 174 (2.50) (2.77) (41.47) 6.3 137 9.30 (0.05) Urban Partnership Bank Chicago IL 601,955 (7.9%) (2.1%) 6.92 0.54 4.62 0.25 125 (0.96) (1.42) (25.24) 5.4 73 6.18 1.20 Village B & T Arlington Heights IL Wintrust Financial Corporation 1,328,824 6.0% 6.3% 3.75 0.40 3.11 0.42 49 0.00 0.99 8.56 9.6 8 0.78 0.07 Washington Federal Bnk for Savings Chicago IL Washington Bancshares, Inc. 150,127 2.4% 0.6% 6.42 1.08 4.64 0.11 45 2.48 1.49 12.35 12.1 0 0.00 0.00 Waterman State Bank Waterman IL Waterman Bancshares, Inc. 38,246 (6.1%) (9.5%) 4.85 0.51 3.04 0.28 106 (0.17) (8.03) (92.19) 7.4 33 3.21 10.74 West Suburban Bank Lombard IL West Suburban Bancorp, Inc. 2,207,323 (0.1%) (3.0%) 4.38 0.27 2.83 0.41 72 0.00 0.55 5.99 9.1 31 0.00 0.08 West Town B & T North Riverside IL West Town Bancorp, Inc. 242,278 5.6% 2.4% 5.48 1.13 3.97 7.14 76 0.00 1.22 11.22 10.9 22 0.00 0.61 Wheaton B & T Co. Wheaton IL Wintrust Financial Corporation 1,307,626 1.9% 4.1% 4.32 0.37 3.48 0.26 52 0.00 0.96 7.81 8.6 8 0.00 0.05 Wintrust Bank Chicago IL Wintrust Financial Corporation 3,940,977 1.6% 4.6% 3.68 0.33 3.01 1.66 59 0.00 1.00 11.03 9.0 6 0.00 0.01 Average 914,916 1.5% 2.1% 4.85 0.45 3.44 1.43 80 0.93 0.60 4.78 10.9 24 2.60 0.24 Median 277,913 1.0% 1.9% 4.80 0.41 3.42 0.42 72 0.94 0.75 6.95 10.0 15 1.66 0.03 High 18,155,284 47.5% 31.3% 8.35 1.31 5.99 58.34 289 13.06 7.95 50.14 23.4 144 16.07 10.74 Low 36,960 (22.9%) (26.1%) 3.07 0.07 1.66 (1.85) 41 (2.92) (8.03) (92.19) 3.2 0 0.00 (1.10)

*Bank Level Data for 2016 Q2. Quarterly earnings are annualized. Excludes banks under $10 mm in Assets, over $25 B in Assets, and banks with < 50% Deposits in Chicago.

MONROE FINANCIAL PARTNERS SERVING COMMUNITY BANKS SINCE 1968

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Please Note: Information in this review is gathered from SNL Financial. 8