3Rd Quarter 2019

3rd Quarter 2019

DILLINOISISCUSSIONCOMMUNITYMATERIALSBANK LANDSCAPE

Financial Institutions Group Table of Contents

SECTION DESCRIPTION

I. 3rd Quarter Feature – 2019 FDIC Deposit Data

II. Illinois Bank Regulatory Data

III. Overview – Janney Montgomery Scott LLC

Disclaimer Janney Montgomery Scott LLC prohibits its employees from directly or indirectly offering a favorable research rating or specific price target, or offering to change a rating or price target, as consideration or inducement either for the receipt of business or for compensation.

2 I. 3RD QUARTER FEATURE – 2019 FDIC DEPOSIT DATA 2019 DEPOSIT MARKET SHARE – ILLINOIS

Illinois Illinois 2019 2019 2019 Number of Deposits In Total Market 2019 Number of Deposits In Total Market Rank Institutions (ST) Branches Market ($000) Share(%) Rank Institutions (ST) Branches Market ($000) Share(%)

1 JPMorgan Chase & Co. (NY) 323 87,390,321 17.88 26 Parkway Bancorp, Inc. (IL) 24 2,069,923 0.42 2 Bank of Montreal 202 62,998,758 12.89 27 West Suburban Bancorp, Inc. (IL) 45 2,046,220 0.42 3 Bank of America Corporation (NC) 143 35,914,074 7.35 28 Republic Bancorp Co. (IL) 19 1,695,038 0.35 4 Wintrust Financial Corporation (IL) 153 26,823,615 5.49 29 Bank of Highland Park Financial Corp (IL) 2 1,489,575 0.30 5 Fifth Third Bancorp (OH) 180 23,400,895 4.79 30 State Bank of India 1 1,486,837 0.30 6 Northern Trust Corporation (IL) 7 23,216,879 4.75 31 Lakeside Bancorp, Inc. (IL) 7 1,451,799 0.30 7 Canadian Imperial Bank of Commerce 20 20,107,899 4.11 32 Lauritzen Corporation (NE) 22 1,381,396 0.28 8 PNC Financial Services Group, Inc. (PA) 178 16,438,948 3.36 33 Marquette National Corporation (IL) 23 1,356,458 0.28 9 U.S. Bancorp (MN) 200 14,188,429 2.90 34 BankFinancial Corporation (IL) 20 1,349,811 0.28 10 Citigroup Inc. (NY) 61 14,071,000 2.88 35 First Co Bancorp, Inc. (IL) 18 1,325,954 0.27 11 First Midwest Bancorp, Inc. (IL) 104 12,160,409 2.49 36 Commerce Bancshares, Inc. (MO) 13 1,320,713 0.27 12 Wells Fargo & Company (CA) 20 8,024,614 1.64 37 Banterra Corp. (IL) 27 1,223,524 0.25 13 Associated Banc-Corp (WI) 52 6,513,663 1.33 38 Heartland Financial USA, Inc. (IA) 11 1,222,714 0.25 14 First Busey Corporation (IL) 66 6,464,525 1.32 39 CNB Bank Shares, Inc. (IL) 18 1,096,721 0.22 15 TCF Financial Corporation (MI) 121 6,428,361 1.32 40 Cummins-American Corp. (IL) 7 1,074,462 0.22 16 Byline Bancorp, Inc. (IL) 64 3,937,125 0.81 41 Foresight Financial Group, Inc. (IL) 14 987,777 0.20 17 Midland States Bancorp, Inc. (IL) 67 3,522,291 0.72 42 Inland Bancorp, Inc. (IL) 13 982,300 0.20 18 First American Bank Corporation (IL) 50 3,228,006 0.66 43 Market Street Bancshares, Inc. (IL) 21 977,119 0.20 19 Hometown Community Bancorp, Inc. (IL) 43 3,170,337 0.65 44 Tri-County Financial Group, Inc. (IL) 18 965,014 0.20 20 First Mid Bancshares, Inc. (IL) 64 3,038,559 0.62 45 Illinois National Bancorp, Inc. (IL) 13 929,127 0.19 21 HBT Financial, Inc. (IL) 64 2,776,663 0.57 46 Bancorp Financial, Inc. (IL) 3 897,079 0.18 22 Huntington Bancshares Incorporated (OH) 35 2,464,627 0.50 47 Spring Bancorp, Inc. (IL) 12 855,388 0.18 23 Regions Financial Corporation (AL) 47 2,148,473 0.44 48 Blackhawk Bancorporation, Inc. (IL) 14 842,342 0.17 24 United Community Bancorp, Inc. (IL) 45 2,123,400 0.43 49 CBX Corporation (IL) 7 795,194 0.16 25 Old Second Bancorp, Inc. (IL) 29 2,090,067 0.43 50 Signature Bancorporation, Inc. (IL) 3 762,093 0.16

Total Branches Total Deposits Total For Institutions In Market 4,135 488,753,241

Source: S&P Global Market Intelligence, FDIC Summary of Deposits 2019 4 2019 DEPOSIT MARKET SHARE – LARGEST MSAS

1. CHICAGO-NAPERVILLE-ELGIN MSA 2. ST. LOUIS MSA Chicago-Naperville-Elgin, IL-IN-WI St. Louis, MO-IL 2019 2019 2019 Number of Deposits In Total Market 2019 Number of Deposits In Total Market Rank Institutions (ST) Branches Market ($000) Share(%) Rank Institutions (ST) Branches Market ($000) Share(%)

1 JPMorgan Chase & Co. (NY) 334 87,840,179 21.16 1 Bank of America Corporation (NC) 45 12,606,257 16.52 2 Bank of Montreal 215 63,391,597 15.27 2 U.S. Bancorp (MN) 114 12,484,280 16.36 3 Bank of America Corporation (NC) 139 35,572,365 8.57 3 Commerce Bancshares, Inc. (MO) 44 6,266,545 8.21 4 Wintrust Financial Corporation (IL) 156 27,001,510 6.50 4 Enterprise Financial Services Corp (MO) 20 3,505,451 4.59 5 Fifth Third Bancorp (OH) 190 23,967,415 5.77 5 Regions Financial Corporation (AL) 65 3,410,061 4.47 6 Northern Trust Corporation (IL) 7 23,216,879 5.59 6 First Busey Corporation (IL) 29 2,605,103 3.41 7 Canadian Imperial Bank of Commerce 20 20,107,899 4.84 7 PNC Financial Services Group, Inc. (PA) 39 2,219,933 2.91 8 Citigroup Inc. (NY) 61 14,071,000 3.39 8 FB Corporation (MO) 46 2,175,457 2.85 9 PNC Financial Services Group, Inc. 140 13,468,089 3.24 9 Bank of Montreal 16 1,768,392 2.32 10 First Midwest Bancorp, Inc. (IL) 110 12,629,974 3.04 10 Stifel Financial Corp. (MO) 1 1,750,674 2.29 11 U.S. Bancorp (MN) 145 11,969,510 2.88 11 Stupp Bros., Inc. (MO) 18 1,493,637 1.96 12 Wells Fargo & Company (CA) 10 7,509,449 1.81 12 First Co Bancorp, Inc. (IL) 20 1,441,650 1.89 13 TCF Financial Corporation (MI) 125 6,730,771 1.62 13 Simmons First National Corporation (AR) 25 1,430,093 1.87 14 Associated Banc-Corp (WI) 26 4,811,685 1.16 14 UMB Financial Corporation (MO) 14 1,386,466 1.82 15 Byline Bancorp, Inc. (IL) 64 3,937,125 0.95 15 Central Bancompany, Inc. (MO) 15 1,333,830 1.75 16 First American Bank Corporation (I 51 3,364,392 0.81 16 CBX Corporation (IL) 11 1,213,446 1.59 17 First Bancshares, Inc. (IN) 40 3,266,977 0.79 17 Midland States Bancorp, Inc. (IL) 19 992,075 1.30 18 Huntington Bancshares Incorporated 35 2,464,627 0.59 18 Associated Banc-Corp (WI) 17 825,584 1.08 19 Parkway Bancorp, Inc. (IL) 24 2,069,923 0.50 19 Canadian Imperial Bank of Commerce 2 691,524 0.91 20 West Suburban Bancorp, Inc. (IL) 45 2,046,220 0.49 20 Cass Information Systems, Inc. (MO) 4 672,157 0.88 21 Old Second Bancorp, Inc. (IL) 28 2,038,332 0.49 21 Sterling Bancshares, Inc. (MO) 2 620,134 0.81 22 Republic Bancorp Co. (IL) 19 1,695,038 0.41 22 Diamond Bancorp, Inc. (MO) 6 584,740 0.77 23 First Merchants Corporation (IN) 21 1,544,153 0.37 23 Royal Bancshares, Inc. (MO) 11 570,347 0.75 24 Bank of Highland Park Financial Co 2 1,489,575 0.36 24 First Mid Bancshares, Inc. (IL) 9 562,536 0.74 25 State Bank of India 1 1,486,837 0.36 25 Midwest Regional Bancorp, Inc. (MO) 6 528,320 0.69

Total For Institutions In Market 2,553 415,216,071 Total For Institutions In Market 882 76,324,546

Source: S&P Global Market Intelligence, FDIC Summary of Deposits 2019 5 2019 DEPOSIT MARKET SHARE – LARGEST MSAS

3. PEORIA MSA 4. DAVENPORT-MOLINE-ROCK ISLAND MSA

Peoria, IL Davenport-Moline-Rock Island, IA-IL 2019 2019 2019 Number of Deposits In Total Market 2019 Number of Deposits In Total Market Rank Institutions (ST) Branches Market ($000) Share(%) Rank Institutions (ST) Branches Market ($000) Share(%)

1 Hometown Community Bancorp, Inc. (IL) 30 2,505,515 30.20 1 QCR Holdings, Inc. (IL) 5 1,434,468 17.60 2 PNC Financial Services Group, Inc. (PA) 9 1,055,827 12.73 2 Wells Fargo & Company (CA) 11 1,174,854 14.41 3 First Busey Corporation (IL) 16 706,980 8.52 3 Blackhawk Bancorporation, Inc. (IL) 17 939,090 11.52 4 Commerce Bancshares, Inc. (MO) 5 546,259 6.59 4 U.S. Bancorp (MN) 10 831,575 10.20 5 HBT Financial, Inc. (IL) 17 508,993 6.14 5 Orion Bancorporation, Inc. (IL) 8 387,034 4.75 6 JPMorgan Chase & Co. (NY) 3 324,305 3.91 6 Triumph Bancorp, Inc. (TX) 10 381,447 4.68 7 Backlund Investment Co. (IL) 10 298,260 3.60 7 First Midwest Bancorp, Inc. (IL) 4 348,098 4.27 8 MidAmerica National Bancshares, Inc. (IL) 4 244,542 2.95 8 AmBank Holdings, Inc. (IA) 8 258,317 3.17 9 Associated Banc-Corp (WI) 6 211,009 2.54 9 Central Banc, Inc. (IL) 3 247,340 3.03 10 Farmington Bancorp, Inc. (IL) 3 137,920 1.66 10 Prophetstown Banking Co. (IL) 1 211,769 2.60 11 ISB Bancshares, Inc. (IL) 6 127,738 1.54 11 Ohnward Bancshares, Inc. (IA) 2 170,729 2.09 12 Stark County Bancorp, Inc. (IL) 1 112,509 1.36 12 McLaughlin Holding Company (IL) 5 168,924 2.07 13 Goodfield Financial Corporation (IL) 4 107,221 1.29 13 Central Bancshares, Inc. (IA) 4 161,219 1.98 14 First Mid Bancshares, Inc. (IL) 5 105,975 1.28 14 E M F Corporation (WA) 2 152,861 1.88 15 Minier Financial, Inc. (IL) 2 102,012 1.23 15 Northwest Investment Corp. (IA) 3 145,724 1.79 16 Wells Fargo & Company (CA) 1 89,755 1.08 16 CSB Financial Holdings, Inc. (IL) 3 143,432 1.76 17 Tremont Bancorp, Inc. (IL) 2 81,816 0.99 17 Union Federal Savings and Loan Association (IL) 5 122,260 1.50 18 Main Street Bancorp, Inc. (IL) 2 74,558 0.90 18 Peoples Financial Corp. of Illinois, Inc. (IL) 3 117,346 1.44 19 Regions Financial Corporation (AL) 2 66,096 0.80 19 JPMorgan Chase & Co. (NY) 2 104,519 1.28 20 CIB Marine Bancshares, Inc. (WI) 1 60,066 0.72 20 Alpha Banco, Inc. (IL) 5 97,972 1.20 21 First Lacon Corp. (IL) 1 59,581 0.72 21 Great Southern Bancorp, Inc. (MO) 5 97,530 1.20 22 Forrest Bancshares, Inc. (IL) 1 59,144 0.71 22 Stark County Bancorp, Inc. (IL) 2 82,856 1.02 23 First State Bancorporation, Inc. (IL) 1 56,260 0.68 23 Reynolds State Bank (IL) 1 75,155 0.92 24 Illinois National Bancorp, Inc. (IL) 1 53,375 0.64 24 Western Illinois Bancshares Inc. (IL) 3 61,975 0.76 25 Hometown Financial Group, Inc. (IL) 2 52,339 0.63 25 Illinois Holding Co. (IL) 2 53,260 0.65

Total For Institutions In Market 163 8,295,284 Total For Institutions In Market 136 8,152,540 Please contact a Janney representative for additional information on deposit markets not illustrated

Source: S&P Global Market Intelligence, FDIC Summary of Deposits 2019 6 2019 DEPOSIT MARKET SHARE – OTHER OBSERVATIONS

Total Deposits $600,000

$488,753 $500,000 $471,516 $454,661 $462,139 $467,786 $424,876 $398,525 $400,000 $383,252 $348,757 $350,470 $359,890

$300,000 In MillionsIn($) $200,000

$100,000

$0 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019

KEY OBSERVATIONS

. The state of Illinois experienced deposit growth of 3.66% year over year

. The three fastest growing MSAs in the state by total deposits were Decatur (5.6%), Sterling (2.3%) and Pontiac (2.3%)

. The fastest growing counties in the state by total deposits were Coles (15.2%), Kendall (10.0%) and Piatt (9.0%)

Source: S&P Global Market Intelligence, FDIC Summary of Deposits 2019 7 II. ILLINOIS BANK REGULATORY DATA Overview – Illinois Bank Regulatory Data

Chicago METHODOLOGY Rockford Metro . 6 county regions separated by geographic relevance

. Data as of most recent available quarter as Peoria of September 30, 2019

Champaign . Regulatory call report data shown for all banks

Edwardsville KEY STATE OBSERVATIONS . Median loan growth of 3.78%

. Median NIM of 3.49% Marion

NOTES FOR ALL REGIONS: Note: Texas Ratio = (NPAs + Loans 90+ PD)/ (TCE+LLR) NPAs = Nonaccrual Loans + (Loans 90+ PD ) + Restructured Loans + OREO Nonaccrual loans, Loans 90+ PD and OREO are adjusted to exclude the FDIC guaranteed portion of these assets Source: S&P Global Market Intelligence, Most Recent Available Quarter 9 Chicago Metro Banks (1 of 5)

Company Information Balance Sheet Highlights Capital Adequacy Asset Quality Financial Performance Total Total MRQ Total MRQ Lns / Leverage RBC NPA/ LLR/ NCOs/ MRQ MRQ MRQ MRQ Assets Lns Growth Deposits Growth Dep. Ratio Ratio Assets Loans Loans Net Inc. ROAA N.I.M. Efficiency Name City ($M) ($M) (%) ($M) (%) (%) (%) (%) (%) (%) (%) ($000) (%) (%) (%)

1st Equity Bank Skokie $95 $74 3.8 % $75 (35.2) % 99.2 % 15.23 % 21.87 % 5.63 % 1.52 % 0.11 % $265 1.09 % 3.15 % 64.3 %

1st Equity Bank Northwest Buffalo Grove 41 33 48.4 31 8.0 104.9 22.15 29.81 0.91 1.24 0.00 40 0.41 2.72 86.1

Albany Bank & Trust Co. NA Chicago 610 441 8.7 508 9.2 86.7 16.04 NA 0.27 1.14 0.00 1,509 0.99 3.30 56.6

Algonquin State Bank Algonquin 134 87 (14.5) 117 (20.4) 73.8 11.19 15.52 1.45 0.73 0.00 173 0.51 3.59 87.8

Allied First Bank sb Oswego 104 63 33.7 91 48.2 70.1 12.02 23.97 1.72 1.05 (0.04) 1,573 6.46 3.58 88.6

Amalgamated Bank of Chicago Chicago 891 487 8.0 786 16.5 62.0 10.93 17.27 0.74 1.29 0.28 1,774 0.85 3.93 76.6

American Community Bank & Tr Woodstock 581 378 2.1 502 6.0 75.3 12.88 18.76 0.35 1.24 (0.03) 375 0.26 3.10 86.5

American Eagle Bank South Elgin 274 211 5.7 246 (4.7) 85.8 7.91 10.89 0.28 0.74 0.33 589 0.85 3.22 56.8

American Eagle Bank of Chicago Chicago 97 70 2.3 86 (14.4) 80.8 9.91 14.74 1.94 0.75 0.26 12 0.05 2.66 88.8

American Metro Bank Chicago 81 66 (3.6) 67 0.2 98.7 10.71 16.48 3.34 0.94 (0.04) 95 0.47 3.90 86.6

Bank of Bourbonnais Bourbonnais 68 52 50.6 52 37.7 101.0 13.23 18.86 0.00 2.21 0.02 79 0.49 3.18 79.6

Bank of Montgomery Montgomery 41 14 (13.1) 37 (22.7) 39.0 8.65 22.28 0.00 1.63 (0.68) 97 0.92 2.76 78.4

BankFinancial NA Olympia Fields 1,489 1,222 (16.9) 1,305 (13.2) 93.6 10.90 15.46 0.11 0.62 0.03 4,198 1.12 3.73 62.1

Barrington Bank & Trust Co. NA Barrington 2,604 2,127 32.5 2,003 39.5 106.2 13.27 11.52 0.60 0.34 0.00 13,438 2.29 3.55 73.2

Belmont B&TC Chicago 534 373 (1.2) 476 5.5 78.3 9.93 15.25 0.56 1.22 0.18 2,007 1.52 3.98 44.8

Ben Franklin Bank of IL Arlington Heights 100 75 1.6 81 13.1 92.0 9.93 15.60 1.69 1.18 (0.01) (243) (0.98) 3.36 129.2

Beverly Bank & Trust Co. NA Chicago 1,585 1,259 21.1 1,370 29.6 91.9 10.72 11.41 0.35 0.46 0.03 5,118 1.35 3.43 58.6

BMO Harris Bank NA Chicago 138,844 88,066 7.5 105,369 17.2 83.6 10.32 12.38 0.90 0.86 0.22 347,172 1.06 2.79 57.5

BMO Harris Central NA Roselle 8 - NA 1 - 0.0 86.58 443.71 0.00 NA NA (1) (0.05) 13.56 116.7

Brickyard Bank Lincolnwood 122 91 (7.7) 103 9.9 87.7 11.78 18.79 2.32 1.43 (0.01) 323 1.05 3.66 70.4

Burling Bank Chicago 132 97 (37.4) 116 31.7 84.2 10.88 19.26 0.00 1.34 0.00 638 1.84 4.31 58.2

Byline Bank Chicago 5,433 3,838 (4.5) 4,088 2.1 93.9 10.74 13.72 1.25 0.82 0.57 16,368 1.21 4.72 58.4

Casey State Bank Casey 328 237 7.9 292 8.8 81.3 10.47 14.48 1.95 1.39 0.07 1,283 1.58 3.86 55.4

Central FS&LA Cicero 188 128 52.7 148 (5.8) 86.3 10.70 20.43 2.55 0.88 0.00 29 0.06 2.68 97.6

Central Savings FSB Chicago 104 90 (12.6) 75 (30.7) 120.8 25.02 34.93 0.80 1.64 (0.01) 220 0.82 4.06 71.5

Source: S&P Global Market Intelligence, Most Recent Available Quarter 10 Chicago Metro Banks (2 of 5)

CenTrust Bank NA Northbrook 126 96 (9.5) 108 (14.2) 88.8 9.46 12.93 5.82 1.79 0.16 182 0.57 3.96 78.2

Chicago Trust Co. NA Lake Forest 111 - NA - NA NA 99.02 468.15 0.00 NA NA 664 2.39 2.96 72.2

CIBC Bank USA Chicago 31,743 22,523 20.2 23,172 13.8 97.2 11.08 12.18 0.96 1.16 0.32 95,158 1.23 3.40 41.1

Community Bank of Elmhurst Elmhurst 146 79 9.7 130 (9.0) 60.6 10.27 17.10 1.55 0.90 0.77 331 0.90 3.71 69.1

Community SB Chicago 396 232 1.9 329 0.6 70.6 16.51 38.44 1.59 0.35 0.00 340 0.34 2.76 85.1

Cornerstone National B&TC Palatine 637 453 (2.2) 573 23.9 79.1 8.43 11.40 0.63 1.56 0.00 1,086 0.69 3.52 78.3

Crystal Lake Bank & Tr Co. NA Crystal Lake 1,171 949 8.0 1,020 4.1 93.1 9.77 11.74 0.27 0.53 0.06 4,890 1.66 3.42 36.8

Devon Bank Chicago 289 204 7.8 261 5.8 78.3 8.34 12.00 1.56 1.68 1.07 398 0.56 4.01 90.0

Evergreen Bank Group Oak Brook 1,071 875 1.4 918 9.1 95.3 10.99 13.50 0.17 1.12 0.51 4,323 1.63 4.59 44.7

Federal SB Chicago 756 662 82.7 622 (4.0) 106.4 14.14 26.61 0.74 0.17 0.15 13,848 7.76 2.13 78.3

First American Bank Elk Grove Village 4,496 1,834 (3.0) 3,421 (19.1) 53.6 8.57 17.04 1.25 1.15 0.05 7,820 0.72 2.86 79.1

First B&TC of Illinois Palatine 187 140 15.7 169 (6.0) 82.6 9.20 13.62 4.23 1.28 0.00 (405) (0.87) 4.52 135.6

First Bank of Highland Park Highland Park 1,826 1,443 12.3 1,501 3.0 96.2 10.28 11.18 0.84 0.69 (0.19) 3,012 0.69 2.45 62.9

First Bank of Manhattan Manhattan 177 94 4.8 159 24.2 59.3 10.17 20.01 1.51 1.66 (0.32) 323 0.76 3.36 79.8

First Community Bank & Trust Beecher 156 82 20.1 130 10.7 62.7 12.59 20.49 2.04 1.31 (0.07) 557 1.51 4.54 60.7

First Eagle Bank Chicago 529 377 9.6 419 15.9 90.0 17.35 23.78 0.12 1.91 0.05 2,942 2.30 3.73 42.2

First Midwest Bank Chicago 17,919 12,821 9.1 13,640 8.2 94.0 8.93 11.27 0.62 0.85 0.29 61,056 1.39 3.92 50.9

First Nations Bank Chicago 359 302 (1.2) 289 11.8 104.6 13.41 17.60 0.00 2.44 0.02 944 1.07 3.20 54.3

First Natl Bk of Brookfield Brookfield 205 143 37.1 154 6.9 92.8 11.24 17.25 1.92 1.85 (0.07) 612 1.26 3.85 59.4

First SB of Hegewisch Chicago 673 333 (3.9) 562 6.1 59.2 16.24 47.81 0.17 0.49 0.00 673 0.40 2.42 76.9

First Secure B&TC Palos Hills 169 137 21.5 146 33.5 93.5 10.46 14.42 0.68 1.20 0.00 307 0.74 3.34 69.5

First Secure Community Bank Sugar Grove 361 256 14.1 295 49.0 86.7 9.68 11.29 0.61 0.95 0.75 519 0.60 3.25 69.9

First Security Trust & SB Elmwood Park 333 147 3.7 302 10.4 48.5 8.63 18.15 0.82 0.86 0.01 773 0.93 2.41 61.8

First Trust Bank of Illinois Kankakee 234 112 (21.2) 182 (2.3) 61.4 10.87 16.31 1.06 1.31 0.01 628 1.05 2.85 57.3

FNBC Bank & Trust La Grange 520 299 (2.7) 461 (8.5) 64.7 10.16 18.16 0.97 1.04 (0.01) 1,540 1.17 3.51 72.3

Source: S&P Global Market Intelligence, Most Recent Available Quarter 11 Chicago Metro Banks (3 of 5)

Forest Park National B&TC Forest Park 238 192 1.0 214 (11.5) 89.7 8.64 12.28 0.74 1.20 (0.10) 750 1.25 4.64 72.6

Glenview State Bank Glenview 1,269 485 (2.9) 1,072 (0.8) 45.3 11.05 18.05 0.04 1.84 0.02 3,682 1.16 2.65 65.2

GN Bank Chicago 137 48 (23.8) 124 (12.5) 39.1 9.43 23.67 3.36 1.09 (0.08) (448) (1.29) 2.77 147.9

Gold Coast Bank Chicago 379 280 (7.0) 319 (14.0) 87.7 12.91 20.23 1.57 4.14 0.00 1,184 1.23 3.53 62.5

Grundy Bank Morris 278 176 2.0 246 (22.6) 71.6 9.21 17.79 1.00 1.23 (0.01) 1,838 2.50 4.44 50.1

Harvard State Bank Harvard 254 148 15.6 224 0.9 65.8 9.31 15.93 2.05 0.71 0.32 394 0.62 3.06 78.4

Heritage Bank of Schaumburg Schaumburg 137 73 3.8 111 (39.4) 66.0 9.09 23.49 0.43 1.04 (0.02) 377 1.10 3.28 63.8

Hinsdale Bank & Trust Co. Hinsdale 2,659 2,057 14.7 2,216 13.0 92.8 10.14 11.70 0.46 0.55 0.12 9,529 1.46 3.52 45.1

Home State Bank NA Crystal Lake 604 408 (3.1) 511 6.2 79.8 12.77 19.55 1.97 1.12 0.53 1,523 1.01 4.00 79.2

Hoyne Savings Bank Chicago 443 207 8.5 366 (3.6) 56.7 16.77 39.80 0.46 0.40 0.14 147 0.13 2.33 93.5

Inland Bank & Trust Oak Brook 1,112 830 17.8 962 (8.4) 86.3 12.45 15.63 1.47 1.26 0.05 3,198 1.14 3.08 70.9

International Bank of Chicago Chicago 649 445 (7.8) 552 (7.0) 80.5 12.43 21.38 3.20 1.65 (0.01) 2,453 1.54 3.58 53.2

Itasca B&TC Itasca 579 396 (13.8) 520 19.9 76.1 9.80 13.96 0.57 1.32 0.00 1,878 1.33 4.11 58.5

Lake Forest B&TC NA Lake Forest 4,297 3,071 (9.1) 3,417 (1.1) 89.9 9.91 12.16 0.59 0.81 0.30 23,579 2.23 3.66 42.0

Lakeside Bank Chicago 1,776 1,500 14.2 1,442 (2.6) 104.0 11.96 14.51 0.48 1.65 (0.05) 7,125 1.62 3.69 57.5

Leaders Bank Oak Brook 336 277 (3.7) 273 (7.0) 101.4 11.88 15.70 3.07 1.35 (0.02) 884 1.03 3.31 67.4

Lemont National Bank Lemont 52 7 (9.8) 48 (10.9) 14.0 6.57 24.02 0.00 0.54 0.00 37 0.28 3.27 88.5

Liberty Bank for Savings Chicago 826 472 13.3 617 (4.1) 76.5 23.47 55.97 0.45 0.70 (0.03) 843 0.41 2.40 79.7

Libertyville Bank & Tru Co. NA Libertyville 1,685 1,338 25.5 1,424 17.3 94.0 9.76 11.46 0.52 0.61 (0.03) 5,689 1.39 3.30 42.2

LincolnWay Community Bank New Lenox 225 175 35.1 197 20.5 88.5 11.55 14.98 2.80 1.28 0.00 606 1.08 4.35 66.2

Lisle SB Lisle 506 240 10.0 372 (14.5) 64.4 24.26 57.89 2.30 1.30 0.00 880 0.69 2.25 68.7

Loomis FS&LA Chicago 62 25 (27.2) 43 (16.1) 56.6 28.54 117.36 3.10 1.26 (0.02) (46) (0.30) 2.86 125.8

Marquette Bank Orland Park 1,599 1,204 8.7 1,351 (1.5) 89.1 9.06 14.01 1.74 1.17 0.05 3,223 0.82 3.52 71.7

McHenry SB McHenry 230 155 32.1 185 (2.9) 83.8 9.12 13.71 1.87 0.72 0.19 242 0.42 3.27 84.2

Merchants & Manufacturers Bank Joliet 283 247 14.2 225 5.2 110.1 8.26 10.71 0.00 1.13 0.00 607 0.90 4.52 74.8

Source: S&P Global Market Intelligence, Most Recent Available Quarter 12 Chicago Metro Banks (4 of 5)

Metropolitan Capital Bank & Tr Chicago 230 140 (42.5) 203 (0.2) 69.3 9.34 14.69 3.27 3.12 (0.75) 393 0.68 5.67 94.0

Midland FS&LA Bridgeview 116 41 (12.7) 104 4.2 39.9 9.54 35.52 1.41 0.81 0.02 (9) (0.03) 2.70 101.4

Millennium Bank Des Plaines 145 119 5.8 127 7.3 93.6 11.32 15.67 0.55 1.20 0.00 807 2.24 3.98 57.8

Municipal Trust & SB Bourbonnais 318 188 1.4 255 10.6 73.7 16.85 33.84 1.12 1.46 0.00 1,665 2.13 3.51 40.7

Mutual Federal Bank (MHC) Chicago 72 59 58.8 57 (7.7) 102.9 19.19 21.07 5.62 1.16 0.00 68 0.38 3.80 96.1

National Bank of St. Anne Saint Anne 75 53 31.2 65 140.8 80.7 10.34 14.00 0.07 1.03 (0.01) 101 0.58 3.45 78.5

North Shore Trust & Savings Waukegan 224 101 11.3 176 (12.3) 57.6 19.97 57.38 0.85 0.27 (0.01) 138 0.24 2.52 90.3

North Side FS&LA of Chicago Chicago 40 25 1.6 33 (6.7) 74.3 11.24 25.02 4.23 1.16 0.00 (6) (0.06) 3.56 101.9

Northbrook Bank & Trust Co. NA Northbrook 2,873 1,897 (5.9) 2,532 18.1 74.9 9.53 11.87 0.60 0.71 (0.04) 11,068 1.67 3.31 38.8

Northern Trust Co. Chicago 123,824 30,844 (1.8) 99,394 (12.1) 31.0 7.95 14.85 0.12 0.34 (0.01) 381,633 1.32 1.59 66.4

Northside Community Bank Gurnee 241 191 (3.0) 179 8.6 106.8 22.93 27.47 0.00 2.02 (0.10) 618 1.04 4.07 63.7

Old Plank Trail Cmnty Bk NA Mokena 1,656 1,160 9.8 1,451 4.4 80.0 9.30 11.53 0.50 0.50 0.01 4,737 1.14 3.24 59.7

Old Second National Bank Aurora 2,611 1,905 (0.6) 2,087 (0.6) 91.3 12.68 15.72 0.76 1.03 0.05 14,088 2.17 4.18 53.6

Oxford Bank & Trust Oak Brook 583 395 3.4 506 1.5 78.1 9.59 13.93 2.19 1.05 0.15 1,611 1.11 4.56 72.5

Pacific Global Bank Chicago 225 169 (0.1) 197 0.4 85.7 11.29 23.34 0.09 1.33 (0.20) 726 1.31 3.75 62.3

Pan American Bank & Trust Melrose Park 379 278 (1.9) 343 1.2 81.2 8.80 12.55 1.37 0.83 (0.01) 762 0.80 3.42 82.6

Park Ridge Community Bank Park Ridge 321 212 41.7 268 4.0 79.0 14.13 21.19 0.21 1.92 0.00 1,705 2.13 3.77 44.3

Parkway Bank & Trust Company Harwood Heights 2,621 2,028 1.0 2,115 (20.0) 95.9 11.48 14.54 2.73 1.47 (0.01) 7,267 1.13 2.85 51.5

PeopleFirst Bank Joliet 138 99 (24.2) 110 (6.5) 90.4 12.63 17.50 1.19 1.49 0.07 361 1.05 3.85 70.1

Peoples Bank of Kankakee Cnty Bourbonnais 221 104 (5.7) 169 24.0 61.9 8.86 13.04 1.61 0.88 0.00 684 1.35 3.14 68.1

Prairie Community Bank Marengo 125 96 2.6 109 9.0 88.0 10.23 14.58 5.93 3.73 0.42 (1,075) (3.47) 3.72 70.8

Providence Bank & Trust South Holland 1,035 772 (23.2) 886 (5.8) 87.1 10.96 14.98 0.76 1.44 (0.02) 5,238 2.02 5.36 55.8

Pulaski SB Chicago 49 35 16.2 38 1.9 90.8 7.20 17.07 1.80 0.28 0.00 (15) (0.13) 2.65 114.0

Republic Bank of Chicago Oak Brook 2,028 1,517 4.8 1,689 (1.4) 89.8 10.96 13.24 1.32 1.40 0.26 7,759 1.57 4.09 50.8

Royal SB Chicago 395 305 (21.3) 346 (9.9) 88.2 10.18 16.64 0.74 0.86 0.05 951 0.96 3.85 62.1

Source: S&P Global Market Intelligence, Most Recent Available Quarter 13 Chicago Metro Banks (5 of 5)

Schaumburg Bank & Trust Co. NA Schaumburg 1,220 911 0.1 1,041 (5.1) 87.5 9.57 11.70 0.90 0.55 0.03 3,535 1.15 3.09 54.1

Signature Bank Rosemont 891 670 (2.2) 787 13.0 85.2 10.32 12.72 0.09 1.11 (0.03) 4,279 1.94 4.44 46.5

South Central Bank NA Chicago 292 85 6.3 237 (20.7) 36.1 8.56 20.96 0.61 1.37 0.00 82 0.11 2.78 96.7

St. Charles Bank & Trust Co. Saint Charles 1,273 948 1.1 1,071 5.8 88.5 9.62 11.36 1.12 0.43 0.49 3,513 1.11 3.12 51.2

State Bank Wonder Lake 224 151 7.8 195 (9.5) 77.7 10.10 15.97 2.28 0.66 0.01 165 0.29 4.16 92.4

State Bank of Geneva Geneva 80 47 (2.9) 72 18.4 65.8 9.59 16.59 1.31 1.99 0.00 102 0.49 3.61 88.6

State Bank of Herscher Herscher 146 78 9.9 125 39.5 62.1 13.50 21.25 1.23 2.42 0.00 332 0.92 3.79 64.2

State Bank of the Lakes NA Antioch 1,321 953 3.3 1,115 19.0 85.5 9.41 11.66 0.80 0.75 0.36 3,460 1.07 3.19 51.5

Town Center Bank New Lenox 102 79 28.3 86 1.8 91.8 10.90 13.02 0.59 1.08 (0.01) 67 0.26 3.68 95.2

Union National Bank Elgin 314 267 10.6 275 10.6 96.9 12.37 18.70 1.07 1.26 (0.04) 672 0.86 2.95 64.0

United Trust Bank Palos Heights 26 18 4.8 20 26.6 87.7 11.97 18.29 5.30 1.47 0.00 (261) (4.18) 4.39 199.6

Village Bank & Trust NA Arlington Heights 1,755 1,324 3.4 1,516 29.9 87.4 9.22 11.49 0.40 0.70 0.72 4,949 1.15 3.27 44.0

West Suburban Bank Lombard 2,263 1,214 (1.6) 2,031 (3.0) 59.8 9.61 15.45 1.43 1.28 (0.03) 3,209 0.56 3.10 77.3

West Town Bank & Trust North Riverside 275 226 2.2 235 6.6 96.2 13.09 16.58 2.80 1.53 0.25 1,445 2.17 4.68 56.9

Wheaton Bank & Trust Co. NA Wheaton 1,985 1,369 1.4 1,661 29.9 82.4 9.34 11.37 0.37 0.47 0.48 6,869 1.43 3.28 40.9

Wheaton College Trust Co. NA Wheaton 4 - NA - NA NA 95.78 NM 0.00 NA NA 46 5.05 2.09 79.2

Wintrust Bank NA Chicago 6,445 5,087 6.3 5,573 14.8 91.3 10.41 11.77 0.48 0.77 0.03 24,705 1.58 3.48 52.1

Average 3,409 1,836 5.7 2,679 4.7 79.8 13.8 27.0 1.3 1.18 0.07 9,985 1.03 3.56 71.9 Median 321 226 3.3 273 2.1 85.5 10.7 15.9 0.9 1.16 0.00 762 1.05 3.48 69.1

Source: S&P Global Market Intelligence, Most Recent Available Quarter 14 Champaign Banks (1 of 3)

Anchor State Bank Anchor $16 $9 10.2 % $14 42.4 % 62.4 % 12.31 % 17.86 % 0.00 % 0.78 % 0.00 % $32 0.82 % 3.68 % 70.6 %

Arcola First Bank Arcola 111 19 18.5 96 10.9 19.5 11.44 29.17 0.00 3.54 0.00 136 0.50 2.19 81.3

Bank of Gibson City Gibson City 86 52 (7.3) 68 6.8 76.3 8.42 13.21 0.82 0.96 0.53 242 1.16 3.75 51.2

Bank of Pontiac Pontiac 560 423 4.7 474 13.1 89.2 13.64 19.95 1.19 1.09 0.20 1,755 1.27 3.82 55.1

Bank of Rantoul Rantoul 231 108 2.3 194 17.5 55.7 10.47 17.09 3.03 2.22 1.30 649 1.14 3.13 52.6

BankChampaign NA Champaign 225 175 0.3 189 (1.9) 92.3 10.19 14.88 1.02 1.49 0.00 798 1.42 3.93 69.4

Buckley State Bank Buckley 42 25 16.5 36 (10.2) 69.7 12.78 19.34 0.00 0.77 0.00 145 1.40 3.56 56.9

Busey Bank Champaign 7,804 5,869 11.6 6,381 7.8 92.0 11.12 13.93 0.51 0.89 0.09 26,392 1.36 3.49 54.3

Campus State Bank Campus 22 14 7.5 19 25.0 73.7 11.88 19.01 0.33 0.92 0.00 60 1.14 3.88 74.0

Catlin Bank Catlin 63 40 8.6 56 1.4 71.7 9.96 17.16 0.79 0.60 1.88 226 1.44 4.25 63.4

CIBM Bank Champaign 692 534 9.1 563 17.6 94.8 10.51 14.74 1.31 1.41 0.01 1,127 0.66 2.94 81.9

Citizens Bank of Chatsworth Chatsworth 31 19 13.9 27 (0.2) 72.7 12.44 16.47 2.86 0.85 1.57 (46) (0.59) 4.40 92.8

Citizens State Bank of Milford Milford 42 24 2.2 37 9.4 64.4 10.54 14.59 2.44 0.48 0.00 74 0.71 4.25 83.4

Community Banks of Shelby Cnty Cowden 46 25 6.9 41 (5.2) 61.9 11.94 22.49 0.09 1.05 (0.02) 69 0.59 3.09 82.2

COUNTRY Trust Bank Bloomington 31 - NA 1 2.4 0.0 98.27 134.17 0.00 NA NA 1,369 20.13 2.96 87.0

Dewey Bank Dewey 22 12 43.6 19 (37.6) 61.6 8.87 12.57 2.82 0.29 0.57 10 0.18 4.07 90.7

DeWitt SB Clinton 117 66 (3.1) 97 (16.0) 68.1 12.34 23.75 0.66 0.50 (0.02) 221 0.74 3.57 72.1

Farmers State Bank of Danforth Danforth 60 33 5.7 51 13.6 64.4 13.32 20.81 0.64 0.82 0.09 205 1.40 3.70 60.3

Federated Bank Onarga 97 35 18.4 85 76.7 41.2 9.22 20.10 0.00 0.92 0.06 158 0.69 3.54 82.6

First FS&LA of Central IL S.B. Shelbyville 128 96 7.8 112 (7.6) 86.0 11.13 16.00 1.90 0.87 1.69 (4) (0.01) 4.02 69.2

First FSB of Champaign-Urbana Champaign 168 97 (11.3) 147 (7.6) 66.4 10.18 21.85 2.43 0.97 0.00 381 0.90 3.76 77.1

First Mid Bank & Trust NA Mattoon 3,809 2,624 12.1 3,023 (2.2) 86.8 10.40 14.08 0.71 1.02 0.35 11,376 1.20 3.68 50.9

First National B&TC Clinton 193 23 7.0 164 7.3 13.9 8.43 16.84 0.98 0.20 0.07 539 1.16 2.75 142.2

First National Bank Mattoon 92 55 (2.0) 80 (6.8) 69.4 8.68 12.39 0.93 1.18 0.42 (6) (0.03) 3.27 82.8

First Neighbor Bank NA Toledo 438 352 6.7 345 3.5 101.9 11.17 13.41 0.83 1.04 0.14 1,123 1.03 3.90 65.3

Source: S&P Global Market Intelligence, Most Recent Available Quarter 15 Champaign Banks (2 of 3)

First SB Danville 36 11 14.0 26 (2.5) 43.5 25.84 90.10 0.27 0.63 0.00 (5) (0.05) 2.10 101.6

First State Bank Monticello 272 140 9.2 244 (2.6) 57.4 8.11 13.92 1.70 0.60 (0.02) 997 1.46 3.65 64.8

First State Bank of Forrest Forrest 229 183 9.6 198 22.8 92.2 8.09 12.75 2.18 0.89 0.00 477 0.83 2.79 69.1

First State Bk of Bloomington Bloomington 122 82 (8.5) 110 15.6 74.7 9.26 15.23 1.88 1.41 0.07 375 1.29 3.92 73.8

First Trust & SB of Watseka Watseka 256 117 9.0 215 14.0 54.7 16.03 29.98 0.64 1.38 0.00 827 1.32 2.94 49.4

Fisher National Bank Fisher 128 103 15.7 108 3.3 95.3 13.27 20.05 1.25 1.11 0.03 660 2.08 4.02 55.0

Flanagan State Bank Flanagan 188 127 40.1 165 12.6 76.7 10.41 15.72 1.22 0.70 0.32 1,113 2.40 3.66 81.4

Frederick Community Bank Cissna Park 140 70 27.9 125 9.0 56.3 10.34 18.11 0.04 0.94 0.01 635 1.79 3.31 53.2

Frst Cmnty Bk of Moultrie Cnty Sullivan 90 53 9.4 80 19.6 65.7 10.21 18.45 0.28 1.36 0.11 301 1.37 3.88 65.1

Gerber State Bank Argenta 77 34 3.5 66 9.5 51.6 12.29 25.07 2.74 1.29 (0.07) 149 0.77 3.08 72.3

Gifford State Bank Gifford 155 129 6.5 131 7.5 98.0 10.03 12.98 1.68 1.04 4.02 202 0.53 4.22 69.6

Heartland B&TC Bloomington 2,818 2,033 (7.1) 2,401 (8.4) 84.7 11.00 14.30 0.92 1.01 0.07 17,722 2.50 4.53 51.9

Hickory Point Bank & Trust Decatur 640 446 22.0 565 11.6 78.9 10.68 14.01 0.28 1.02 0.00 1,735 1.09 3.60 67.0

Iroquois Farmers State Bank Iroquois 113 65 11.8 102 18.2 63.8 9.60 14.48 0.57 0.55 0.88 252 0.92 3.56 66.3

Iroquois FS&LA Watseka 678 497 2.5 560 (34.2) 88.9 11.21 16.17 0.40 1.26 0.00 1,106 0.65 2.74 73.9

Longview Bank Ogden 207 157 13.3 186 22.2 84.5 9.44 13.78 2.37 0.95 0.00 691 1.36 3.65 52.6

Longview Bank & Trust Chrisman 187 132 2.4 166 13.3 79.3 8.41 12.15 0.38 0.90 (0.34) 754 1.64 3.94 48.6

Milford Building & Ln Assn SB Milford 30 21 (7.8) 27 (2.7) 76.5 8.91 19.14 1.70 0.88 0.00 22 0.29 2.52 74.9

Peoples Bank of Macon Macon 21 8 3.9 17 2.9 46.0 14.00 31.54 0.00 1.02 0.00 35 0.67 2.86 71.3

Peoples State Bank of Colfax Colfax 35 20 2.8 30 13.6 66.5 12.72 21.72 0.00 0.50 0.06 156 1.83 4.22 50.9

Philo Exchange Bank Philo 97 65 33.3 82 (15.2) 78.7 11.27 16.46 0.37 1.13 0.01 323 1.33 3.59 63.2

Preferred Bank Casey 59 41 (6.2) 53 (13.1) 77.6 9.40 14.09 3.04 1.36 (0.07) 13 0.09 3.17 98.7

Prospect Bank Paris 546 327 20.7 456 16.0 71.8 9.14 13.78 0.52 0.75 0.06 1,436 1.06 2.97 70.0

Scott State Bank Bethany 163 81 10.0 138 (7.5) 58.9 14.95 25.30 0.30 1.13 (0.09) 387 0.94 3.45 75.2

Shelby County State Bank Shelbyville 257 197 (4.2) 216 9.3 91.2 9.96 13.98 0.06 0.87 (0.01) 899 1.42 3.61 62.8

Source: S&P Global Market Intelligence, Most Recent Available Quarter 16 Champaign Banks (3 of 3)

State Bank of Bement Bement 104 73 19.2 86 12.5 84.4 11.64 15.68 0.39 0.81 0.08 129 0.49 4.00 83.8

State Bank of Cerro Gordo Cerro Gordo 31 13 8.4 27 33.4 47.1 13.19 25.19 0.02 0.68 0.03 46 0.63 3.40 79.4

State Bank of Graymont Graymont 212 139 (7.3) 184 16.1 75.3 12.27 16.76 0.76 0.73 0.00 583 1.12 3.11 57.8

State Bank of Saunemin Saunemin 35 20 (7.3) 31 (2.6) 65.2 11.56 16.35 0.00 2.16 0.00 (8) (0.09) 3.24 59.4

State Farm Bank FSB Bloomington 15,959 9,974 (9.9) 11,015 9.3 90.6 11.83 20.41 1.27 1.53 1.03 25,926 0.64 2.96 63.0

TNB Bank Tuscola 86 52 (8.3) 74 (3.7) 70.3 12.90 21.37 0.31 1.81 0.02 118 0.54 3.29 79.7

Vermilion Valley Bank Piper City 131 95 (3.7) 108 37.9 88.0 16.01 23.71 0.05 1.21 0.01 643 1.91 3.63 43.2

Villa Grove State Bank Villa Grove 72 49 5.4 63 (8.6) 77.4 11.76 23.73 0.20 1.58 0.01 279 1.53 3.70 59.4

Average 678 453 7.4 524 6.7 70.1 12.9 21.2 0.9 1.05 0.27 1,828 1.32 3.50 70.0 Median 119 68 7.0 105 7.7 72.3 11.1 16.8 0.7 0.96 0.01 312 1.08 3.60 69.3

Source: S&P Global Market Intelligence, Most Recent Available Quarter 17 Marion Banks (1 of 2)

Company Information Balance Sheet Highlights Capital Adequacy Asset Quality Financial Performance Total Total MRQ Total MRQ Lns / Leverage RBC NPA/ NPA ex Restr/ Texas LLR/ NCOs/ MRQ MRQ MRQ MRQ Assets Lns Growth Deposits Growth Dep. Ratio Ratio Assets Assets Ratio Loans Loans Net Inc. ROAA N.I.M. Efficiency Name City ($M) ($M) (%) ($M) (%) (%) (%) (%) (%) (%) (%) (%) (%) ($000) (%) (%) (%)

Anna State Bank Anna $84 $36 11.6 % $70 8.0 % 51.7 % 16.17 % 36.52 % 0.64 % 0.49 % 4.0 % 0.87 % 0.00 % $228 1.11 % 3.15 % 57.9 %

Anna-Jonesboro National Bank Anna 220 114 (3.0) 187 (0.4) 61.2 14.38 29.06 2.38 2.38 15.6 1.30 0.33 577 1.05 3.85 59.1

Bank of Carbondale Carbondale $246 $147 13.1 $214 66.5 68.4 13.55 22.64 3.41 2.96 24.9 1.96 0.15 $464 0.81 3.50 56.1

Bank of Herrin Herrin 250 178 4.3 223 3.1 80.1 10.91 15.21 1.23 0.86 10.6 0.98 0.18 928 1.50 4.14 61.0

Banterra Bank Eldorado $1,866 $1,413 7.6 $1,589 1.5 88.9 8.33 11.31 0.48 0.43 5.1 1.01 0.13 $6,815 1.48 3.39 56.9

Citizens National Bk of Albion Albion 319 219 (10.4) 247 (2.6) 88.6 17.12 25.18 2.02 1.86 11.1 1.48 0.02 844 1.06 3.18 56.9

City National Bk of Metropolis Metropolis $389 $172 1.6 $302 1.2 56.8 13.71 39.00 1.22 1.22 8.6 1.49 0.34 $924 0.97 2.77 64.8

Clay City Banking Co. Clay City 150 111 (1.6) 131 14.8 85.0 10.11 14.10 2.27 2.27 21.8 0.84 (0.01) 228 0.64 3.66 80.6

Clay County State Bank Louisville $78 $52 5.0 $66 27.4 78.6 15.68 24.76 2.97 1.79 18.5 1.03 0.17 $268 1.39 3.39 61.6

Cmnty Frst Bk of the Heartland Mount Vernon 203 165 (3.7) 182 8.3 91.0 8.82 11.71 1.33 0.93 14.0 1.04 0.16 939 1.88 4.39 58.9

Community Partners SB Salem $203 $145 (4.4) $168 (5.4) 86.4 11.23 18.25 1.53 1.53 13.0 0.65 0.35 $378 0.74 4.06 70.3

Crossroads Bank Effingham 176 121 (9.7) 146 7.2 83.0 14.17 18.53 0.01 0.01 0.0 0.89 0.00 595 1.35 3.03 46.1

Dieterich Bank Effingham $709 $500 6.3 $568 (8.8) 88.1 9.99 13.40 1.07 0.94 9.6 1.26 0.06 $1,839 1.03 3.17 59.8

Du Quoin State Bank Du Quoin 108 30 (9.9) 83 6.7 36.6 9.21 25.21 0.28 0.10 1.9 1.84 0.24 274 1.04 3.50 72.6

Fairfield National Bank Fairfield $551 $352 (1.5) $329 (31.2) 107.0 11.84 22.40 2.18 2.16 17.4 0.62 0.29 $1,597 1.14 2.60 50.9

Farmers & Merchants Bank Hutsonville 46 27 0.2 37 2.1 72.3 18.55 32.85 0.00 0.00 0.0 0.31 0.00 253 2.24 3.43 34.1

Farmers State Bk of Alto Pass Harrisburg $235 $198 (0.2) $213 (15.7) 92.8 8.76 10.70 3.26 2.41 35.3 0.51 0.39 $768 1.30 4.82 73.8

First B&TC of Murphysboro Murphysboro 79 50 2.0 70 (8.3) 71.1 8.78 13.28 4.56 4.41 48.4 0.92 0.00 41 0.21 3.67 91.8

First Community Bk Xenia-Flora Xenia $41 $24 5.2 $31 (35.8) 77.6 11.91 23.65 0.41 0.19 3.2 0.78 (0.02) $162 1.54 3.69 61.3

FNB Community Bank Vandalia 351 211 7.0 293 14.2 72.1 13.17 20.03 0.52 0.42 3.8 1.01 0.00 1,203 1.41 3.79 57.9

First National Bank in Olney Olney $357 $223 (0.9) $306 27.9 72.9 11.73 18.82 0.76 0.50 6.4 1.22 0.09 $889 1.04 3.48 59.2

First National Bank of Ava Ava 64 34 5.2 54 0.1 62.3 13.17 22.14 2.21 1.32 14.7 1.70 (0.16) 191 1.19 4.28 64.5

First National Bank of Carmi Carmi $415 $266 (2.6) $372 (1.4) 71.7 9.42 14.58 0.43 0.13 4.1 1.45 0.02 $1,051 1.01 3.77 69.6

First National Bk of Allendale Allendale 240 166 5.6 206 7.9 80.8 10.85 16.26 0.96 0.67 8.2 1.20 (0.02) 568 0.95 3.77 58.3

First National Bk of Sandoval Sandoval $54 $39 19.4 $47 12.2 83.9 11.79 18.66 0.54 0.54 4.1 1.44 0.05 $161 1.22 4.49 64.3

First Natl Bk in Pinckneyville Pinckneyville 105 44 12.1 80 22.9 54.7 15.04 31.58 0.44 0.40 2.7 0.73 (0.04) 391 1.54 3.86 60.7

First Natl Bk of Brownstown Brownstown $39 $19 1.3 $34 3.5 56.4 11.44 23.82 1.19 1.19 9.5 1.93 0.68 $57 0.59 3.43 73.0

First Robinson Savings Bank NA Robinson 338 193 (2.5) 279 9.7 69.2 9.66 17.57 0.76 0.67 7.4 1.12 0.02 918 1.10 3.59 66.2

Source: S&P Global Market Intelligence, Most Recent Available Quarter 18 Marion Banks (2 of 2)

First Southern Bank Marion $703 $475 0.1 $559 12.2 85.0 12.62 18.51 1.12 1.06 8.6 0.74 0.05 $2,333 1.33 3.80 53.9

First State Bank of Dongola Dongola 25 15 16.8 22 17.6 69.5 11.55 20.85 2.61 1.46 22.0 1.13 (0.03) 69 1.13 4.63 77.7

First State Bank of Olmsted Olmsted $51 $36 13.7 $44 (20.9) 82.8 13.39 21.82 1.42 1.42 10.2 0.93 0.00 $125 0.97 3.45 64.3

First State Bank of St. Peter Saint Peter 29 9 4.0 24 6.6 38.4 17.34 39.09 0.16 0.16 0.9 1.06 0.00 104 1.44 3.53 50.2

First State Bk of Beecher City Beecher City $73 $57 5.0 $59 (8.0) 97.3 18.51 25.05 1.35 0.99 6.7 2.05 (0.01) $500 2.74 4.42 47.3

Flora Bank & Trust Flora 69 45 (7.1) 60 (4.8) 75.3 12.52 20.08 0.82 0.31 6.5 0.45 0.00 113 0.66 3.98 79.6

Frst State Bk of Campbell Hill Campbell Hill $116 $78 6.8 $101 1.1 77.5 11.45 20.48 1.06 1.06 8.8 0.96 0.02 $413 1.45 3.98 56.1

Grand Rivers Community Bank Grand Chain 32 19 (20.1) 28 (4.4) 67.4 4.64 8.50 5.25 4.81 64.5 2.67 (0.02) (122) (1.52) 3.68 139.4

Heritage State Bank Lawrenceville $82 $71 (17.2) $72 (5.5) 97.8 11.70 14.30 5.84 5.84 40.4 2.83 (0.48) $391 1.85 4.43 57.6

Iuka State Bank Salem 98 83 25.9 83 20.0 99.4 9.95 12.18 1.73 1.73 16.1 1.05 0.39 171 0.71 4.56 63.5

Kinmundy Bank Kinmundy $49 $36 5.5 $42 19.3 86.9 11.15 17.23 0.21 0.21 1.8 1.12 (0.07) $264 2.23 5.04 42.9

Legence Bank Eldorado 477 322 3.7 416 3.1 77.3 9.30 13.53 0.54 0.21 5.0 0.91 0.14 1,844 1.55 5.39 67.8

Midland States Bank Effingham $5,713 $4,205 10.7 $4,184 14.4 100.5 10.64 12.81 0.87 0.82 8.2 0.59 0.51 $13,709 0.98 3.92 64.9

Murphy-Wall State B&TC Pinckneyville 129 76 19.8 112 8.3 68.1 11.24 19.85 3.05 3.05 25.2 1.11 0.29 271 0.84 3.95 76.3

Peoples National Bank N.A. Mount Vernon $1,212 $1,048 2.6 $1,021 (6.1) 102.6 9.79 11.49 2.56 2.34 24.5 1.13 0.06 $3,836 1.31 4.19 70.1

Peoples State Bk of Newton IL Newton 462 323 9.4 390 2.1 82.7 10.06 14.22 1.12 1.09 10.1 1.12 0.02 1,403 1.20 3.61 48.2

Sainte Marie State Bank Sainte Marie $17 $14 (10.4) $13 (25.3) 106.4 22.40 26.68 0.00 0.00 0.0 2.06 0.00 ($36) (0.81) 2.66 133.0

South Porte Bank Marion 105 83 15.1 87 (0.3) 96.0 9.06 13.67 0.86 0.86 8.6 0.97 0.00 280 1.05 3.12 55.9

Southern Illinois Bank Johnston City $117 $73 10.1 $102 21.8 71.3 12.57 18.75 0.75 0.75 5.9 0.47 0.66 $316 1.11 4.15 62.7

SouthernTrust Bank Goreville 56 27 2.3 50 (6.4) 53.4 9.92 21.79 1.57 1.51 14.6 1.43 0.01 72 0.52 3.48 82.3

State Bank of Whittington Benton $133 $80 25.9 $117 11.9 68.2 10.95 16.53 0.61 0.61 5.3 1.08 0.28 $403 1.23 4.35 70.4

Teutopolis State Bank Teutopolis 246 148 5.8 212 11.0 69.8 13.79 21.06 0.00 0.00 0.0 0.97 0.01 945 1.56 3.36 41.8

Texico State Bank Texico $8 $3 (18.8) $7 24.6 41.9 8.99 22.54 0.44 0.44 4.8 1.51 0.00 $7 0.35 3.78 90.9

TrustBank Olney 234 189 1.8 202 (1.5) 93.8 10.71 14.53 1.09 1.09 8.9 1.34 0.00 1,072 1.77 4.16 67.5

Wabash SB Mount Carmel $9 $4 (2.3) $8 13.0 53.4 12.92 30.21 0.31 0.31 2.3 0.93 0.00 ($13) (0.58) 3.09 120.0

Washington SB Effingham 399 245 0.4 323 32.1 76.0 16.75 27.40 0.33 0.28 2.0 0.75 0.10 537 0.56 2.54 74.6

Average 344 241 3.1 275 5.0 76.4 12.1 20.3 1.4 1.2 11.8 1.17 0.10 973 1.08 3.76 66.8 Median 131 83 3.2 115 3.3 77.4 11.5 19.3 1.1 0.9 8.6 1.06 0.02 397 1.11 3.73 63.1

Source: S&P Global Market Intelligence, Most Recent Available Quarter 19 Edwardsville Banks (1 of 3)

B&TC Litchfield $341 $243 16.6 % $288 15.7 % 84.5 % 10.53 % 15.52 % 0.55 % 1.57 % (0.03) % $941 1.12 % 3.51 % 61.7 %

Bank of Belleville Belleville 226 155 (2.1) 193 33.3 80.1 8.15 12.21 0.01 0.96 0.00 262 0.47 2.65 82.9

Bank of Bluffs Bluffs 54 35 (0.8) 46 (8.6) 76.8 14.42 23.43 0.95 0.99 1.08 106 0.77 3.99 73.9

Bank of Calhoun County Hardin 67 36 4.5 60 9.9 60.4 9.54 18.78 1.46 0.71 0.00 74 0.45 3.29 80.5

Bank of Hillsboro NA Hillsboro 361 261 28.0 319 9.2 81.8 11.21 14.97 2.19 1.64 0.00 1,003 1.12 3.42 58.5

Bank of Kampsville Kampsville 109 53 4.9 89 15.3 59.4 17.89 30.40 1.12 0.72 (0.02) 194 0.73 2.98 71.0

Bank of O'Fallon O'Fallon 312 244 6.4 266 14.6 91.7 14.40 24.07 0.38 1.67 0.04 1,204 1.56 2.95 45.9

Bank of Springfield Springfield 1,055 861 0.2 892 13.9 96.5 9.22 11.59 4.42 1.25 0.00 2,157 0.83 3.95 69.3

Best Hometown Bank Collinsville 116 90 0.9 101 11.7 89.3 10.34 16.53 0.51 1.02 (0.01) 206 0.72 2.28 106.7

Bradford NB of Greenville Greenville 318 141 9.3 260 3.3 54.1 11.17 16.48 1.41 1.68 0.00 1,133 1.49 3.39 59.5

Buena Vista National Bank Chester 208 115 (1.3) 173 3.4 66.2 12.69 18.02 0.78 1.00 0.22 656 1.28 4.30 64.5

Carrollton Bank Carrollton 1,920 1,504 1.2 1,702 30.3 88.4 8.20 11.23 0.13 1.41 0.11 5,738 1.23 3.17 64.6

Chester National Bank Chester 61 45 (3.2) 53 (19.3) 85.0 13.83 25.16 0.00 0.94 0.00 67 0.43 3.33 87.3

Chesterfield State Bank Chesterfield 17 13 7.8 15 (3.0) 86.9 11.42 20.09 0.70 0.96 0.38 20 0.48 3.65 86.8

Citizens Bank of Edinburg Edinburg 26 13 30.2 24 36.1 56.5 9.86 18.99 0.79 0.95 0.03 76 1.21 3.88 55.4

Citizens Community Bank Mascoutah 399 255 37.5 338 11.9 75.5 11.78 17.82 2.27 1.36 0.22 1,027 1.04 2.88 52.0

CNB Bank & Trust N.A. Carlinville 1,321 929 (1.0) 1,121 3.8 82.9 8.63 12.16 1.42 1.21 0.03 3,791 1.17 3.76 60.1

Collinsville Building Ln Assn Collinsville 121 88 16.3 87 3.7 100.9 27.69 73.14 0.04 0.83 0.06 130 0.43 2.42 76.5

Community Bank of Trenton Trenton 85 62 11.1 68 9.3 90.4 11.93 17.75 2.62 1.53 (0.03) 369 1.76 3.53 57.7

Community Trust Bank Irvington 78 34 (47.5) 66 (17.8) 51.4 13.90 26.34 2.24 1.15 5.95 160 0.78 3.79 76.4

Farmers & Merchants Natl Bk Nashville 183 126 20.7 160 9.6 78.7 12.31 18.12 0.54 0.79 0.00 678 1.52 3.90 63.4

Farmers Natl Bk of Griggsville Griggsville 91 73 (0.4) 79 2.1 92.2 11.22 14.52 2.04 1.37 0.18 369 1.63 4.19 61.3

Farmers State B&TC Jacksonville 197 114 12.2 169 (19.3) 67.3 12.14 20.41 1.68 2.13 0.30 420 0.83 3.78 67.9

Farmers State Bank Pittsfield 253 191 3.3 216 6.0 88.6 13.75 16.57 0.14 0.91 0.03 1,092 1.74 3.93 62.4

Farmers State Bank of Hoffman Hoffman 152 66 9.8 126 4.7 52.5 15.69 30.80 0.49 1.06 0.00 283 0.75 3.08 70.8

Source: S&P Global Market Intelligence, Most Recent Available Quarter 20 Edwardsville Banks (2 of 3)

Farmers State Bank of Medora Medora 20 7 16.6 16 20.9 44.1 17.15 31.31 3.40 0.57 0.00 14 0.29 3.03 89.7

FCB Banks Collinsville 1,682 1,306 2.9 1,385 (5.0) 94.3 8.54 14.81 0.89 0.85 0.00 4,456 1.05 2.69 56.4

First Cmnty Bank of Hillsboro Hillsboro 112 65 (2.6) 98 37.3 66.6 9.42 16.65 0.47 0.97 0.00 415 1.54 3.20 55.0

First FSB of Mascoutah Mascoutah 109 69 5.7 95 13.2 72.4 12.90 24.96 0.00 0.77 0.00 122 0.45 2.44 75.9

First National Bank in Carlyle Carlyle 197 118 (2.2) 157 10.0 75.6 11.51 18.80 0.06 0.99 0.00 488 1.00 3.16 59.8

First National Bank Litchfield Litchfield 97 80 (12.8) 75 (38.6) 106.4 13.12 16.95 0.21 1.56 0.00 343 1.41 3.93 65.5

First National Bank of Nokomis Nokomis 152 87 (2.6) 132 6.0 66.2 11.85 19.11 1.49 1.33 0.10 142 0.38 3.78 65.9

First National Bank of Pana Pana 188 134 2.3 165 6.7 81.2 11.69 17.62 0.80 1.39 (0.01) 731 1.57 3.68 58.8

First National Bank of Raymond Raymond 150 82 (46.8) 133 11.8 61.8 11.05 17.94 0.49 0.83 4.28 443 1.19 3.45 67.9

First National Bank of Sparta Sparta 79 39 2.4 63 (3.7) 61.6 13.90 29.30 0.23 1.33 0.29 344 1.74 4.21 63.0

First National Bk in Staunton Staunton 543 374 6.8 436 0.0 85.7 11.79 16.92 0.38 1.52 0.08 1,897 1.42 3.32 63.1

First National Bk of Waterloo Waterloo 485 276 10.1 401 3.1 68.8 10.58 15.80 0.87 1.23 0.01 974 0.81 3.21 71.4

First Natl Bk in Taylorville Taylorville 196 80 7.9 158 6.8 50.4 18.19 36.53 1.23 1.33 0.14 638 1.32 3.13 52.1

First Natl Bk of Steeleville Steeleville 204 94 0.9 168 6.5 55.7 15.05 29.31 0.62 1.27 0.02 1,197 2.36 3.43 64.0

First NB of Assumption Assumption 21 6 (6.3) 19 12.4 32.6 10.46 29.93 0.68 1.53 0.00 40 0.76 3.22 70.6

First NB of Okawville Okawville 60 24 19.2 51 8.7 47.6 13.02 22.47 0.00 0.74 0.02 108 0.73 3.13 75.1

Germantown Trust & Savings Bk Breese 394 215 7.1 309 4.9 69.6 12.89 22.88 0.80 0.64 0.30 1,883 1.94 2.97 33.9

Great Rivers Bank Barry 132 94 6.0 116 63.5 80.7 11.05 14.72 1.07 1.03 0.30 255 0.79 3.48 70.5

Guardian SB Granite City 37 13 8.3 28 (1.5) 46.3 19.39 90.68 0.51 0.27 0.00 (6) (0.06) 2.24 102.7

INB National Association Springfield 1,185 827 15.4 1,077 63.8 76.7 8.71 12.71 0.84 1.23 (0.01) 3,152 1.10 3.25 72.4

Jersey State Bank Jerseyville 155 58 2.7 130 20.3 44.8 13.76 26.87 0.45 1.25 0.04 357 0.94 3.07 68.6

Litchfield National Bank Litchfield 107 65 6.3 97 18.7 66.3 9.07 15.01 1.55 0.88 (0.13) 296 1.15 3.66 65.0

Marine Bank Springfield 631 492 (14.6) 537 (11.4) 91.6 11.26 13.88 1.57 1.02 0.00 1,992 1.25 3.51 69.9

Midland Community Bank Kincaid 62 44 17.9 55 24.8 79.7 11.53 15.35 0.36 0.58 0.04 225 1.50 3.35 51.1

Nashville SB Nashville 61 46 (4.1) 52 5.3 88.5 13.66 20.33 0.00 0.99 0.02 171 1.13 3.27 54.3

Source: S&P Global Market Intelligence, Most Recent Available Quarter 21 Edwardsville Banks (3 of 3)

Nokomis SB Nokomis 29 19 17.2 19 1.3 100.2 17.17 71.01 0.26 0.43 (0.02) 2 0.03 1.85 86.3

North County SB Red Bud 54 27 3.6 49 9.4 55.2 9.04 24.52 0.00 0.48 0.00 67 0.50 2.59 77.1

Oakdale State Bank Oakdale 21 16 (3.3) 18 8.4 85.7 12.43 17.87 0.86 1.09 0.00 62 1.20 4.74 60.5

Old Exchange Natl Bk Okawville Okawville 68 32 4.6 60 8.3 53.8 11.48 22.33 0.21 1.23 (0.20) 206 1.21 3.06 59.3

Peoples Bank & Trust Pana 429 292 (13.5) 378 38.7 77.5 10.05 13.74 2.20 1.10 4.13 1,283 1.26 4.26 45.8

Prairie State Bank & Trust Springfield 693 517 (0.8) 601 (14.3) 86.1 11.44 16.67 0.48 0.99 0.19 3,011 1.71 3.79 57.3

Rochester State Bank Rochester 95 20 10.3 84 (2.4) 24.4 10.47 18.99 0.29 1.36 (0.02) 228 0.95 3.34 69.6

Security Bank s.b. Springfield 196 96 (9.7) 180 135.6 53.6 10.21 14.09 2.08 1.01 (0.18) 92 0.25 3.56 88.6

Security National Bank Witt 82 53 9.0 68 14.9 77.4 10.69 16.67 1.73 1.47 0.08 133 0.67 3.73 71.6

State Bank of St. Jacob Saint Jacob 65 28 14.3 54 (7.6) 52.6 16.54 35.46 0.55 2.74 0.11 115 0.72 3.33 60.4

State Bank of Waterloo Waterloo 190 128 19.1 146 33.9 88.0 8.77 12.04 1.04 1.50 0.00 185 0.40 3.13 85.7

Tempo Bank Trenton 95 87 7.5 74 (5.9) 117.4 11.59 21.93 1.65 0.18 0.00 20 0.08 2.59 95.4

Town & Country Bank Springfield 826 605 6.7 641 1.5 94.4 9.42 12.74 0.54 1.04 0.07 2,235 1.10 3.60 64.5

United Community Bank Chatham 2,601 1,548 (4.5) 2,145 (0.2) 72.2 8.32 12.71 1.41 1.03 0.64 9,377 1.44 3.27 57.5

Village Bank Saint Libory 89 45 4.9 80 8.4 56.3 9.66 20.74 0.74 1.07 0.52 235 1.06 3.57 61.5

Warren-Boynton State Bank New Berlin 174 120 (5.7) 142 15.4 84.6 13.66 19.01 0.36 1.14 0.01 513 1.20 3.76 62.0

Williamsville State Bank & Tr Williamsville 98 36 (3.8) 85 (8.0) 43.0 13.38 32.03 1.79 0.58 0.86 38 0.16 2.68 95.0

Average 312 211 4.0 264 10.5 72.8 12.2 22.4 1.0 1.11 0.30 905 1.00 3.35 68.0 Median 150 87 4.6 126 8.3 76.7 11.5 18.1 0.7 1.04 0.01 343 1.06 3.34 65.0

Source: S&P Global Market Intelligence, Most Recent Available Quarter 22 Peoria Banks (1 of 4)

1st Community Bank Sherrard $64 $48 (2.9) % $58 32.4 % 84.0 % 10.40 % 13.80 % 1.94 % 1.94 % 17.6 % 0.98 % 0.00 % $174 1.09 % 3.65 % 83.4 %

1st State Bank of Mason City Mason City 25 9 3.5 21 (11.5) 43.7 15.20 35.44 1.31 1.31 8.2 1.16 0.00 48 0.76 3.03 76.8

Alliance Community Bank Petersburg 272 148 3.6 234 (9.6) 63.5 10.23 17.40 1.49 1.31 13.8 0.56 0.01 944 1.38 3.45 60.4

Anderson State Bank Oneida 90 28 (11.4) 76 31.5 37.3 15.71 35.85 0.00 0.00 0.0 0.87 0.03 242 1.12 2.92 56.7

Atlanta National Bank Atlanta 59 20 9.9 51 9.6 39.8 13.90 32.11 0.31 0.31 2.2 0.90 (0.08) 113 0.77 2.97 72.2

Bank of Chestnut Chestnut 18 14 (6.3) 16 2.9 85.4 10.07 15.78 3.34 1.69 30.7 1.14 0.03 (6) (0.13) 4.04 78.5

Bank of Farmington Farmington 180 121 (4.2) 158 9.7 76.8 11.62 17.81 1.61 0.11 12.9 1.16 0.04 320 0.72 3.40 73.2

Bank of Stronghurst Stronghurst 74 28 9.8 61 (12.7) 45.2 17.31 36.64 0.10 0.03 0.5 1.13 0.03 121 0.65 2.67 82.3

Bank of Yates City Yates City 71 50 (0.6) 60 5.6 83.4 9.45 15.25 2.54 1.88 24.3 1.78 (0.02) 35 0.20 3.60 81.7

BankORION Orion 478 276 (8.0) 393 6.3 70.2 11.15 19.05 1.30 0.60 11.2 1.03 (0.02) 1,191 1.00 3.16 61.1

Beardstown Savings s.b. Beardstown 52 38 17.8 39 (25.1) 98.1 10.81 19.80 2.51 2.51 20.1 0.89 0.07 67 0.47 3.79 79.8

Better Banks Peoria 290 198 (2.1) 260 (2.9) 76.2 8.76 13.50 0.48 0.48 4.9 0.79 0.07 815 1.12 3.54 73.4

Blackhawk Bank & Trust Milan 1,381 675 (10.3) 945 2.4 71.4 11.78 19.61 1.47 1.16 10.9 1.27 (0.45) 5,073 1.49 2.92 48.8

Camp Grove State Bank Camp Grove 19 7 (27.9) 17 15.3 43.0 12.15 25.69 2.06 1.28 16.9 1.25 0.00 (21) (0.44) 3.01 117.2

Central Bank Illinois Geneseo 920 514 (13.1) 716 16.5 71.8 10.01 14.17 0.55 0.52 5.0 1.12 0.11 3,947 1.74 3.76 50.9

Central State Bank Clayton 144 130 11.2 115 4.9 113.1 15.25 20.25 4.94 4.94 30.5 1.10 0.03 788 2.21 4.20 54.6

Colchester State Bank Colchester 69 26 (2.1) 58 34.0 44.4 15.24 29.84 1.20 1.20 7.3 2.33 0.05 177 1.06 3.06 65.8

Community Bank of Easton Easton 36 27 (3.9) 29 8.4 95.9 21.15 27.67 0.00 0.00 0.0 0.20 0.00 283 3.18 4.75 12.6

Community Natl Bk in Monmouth Monmouth 41 26 16.8 34 48.2 75.8 15.72 24.94 0.93 0.93 5.9 1.43 1.97 (97) (1.01) 4.04 91.6

Community State Bank Galva 237 184 8.5 210 7.9 87.7 10.72 14.62 1.70 1.53 14.5 1.56 (0.01) 855 1.48 4.04 57.0

Ctzns Frst State Bk of Walnut Walnut 47 26 16.3 43 17.8 60.0 9.27 16.86 0.34 0.34 3.5 1.23 (2.38) 113 0.97 3.82 75.2

Ctzns Frst State Bk of Walnut Walnut 47 26 16.3 43 17.8 60.0 9.27 16.86 0.00 0.00 0.0 1.23 (2.38) 113 0.97 3.82 75.2

Eureka Savings Bank La Salle 316 126 4.9 238 (10.7) 53.1 23.99 73.99 1.64 1.64 6.6 1.16 0.00 235 0.30 2.58 90.6

Fairview State Banking Co Fairview 29 19 4.7 24 19.3 77.8 14.00 20.68 2.01 0.72 14.2 0.93 0.38 40 0.58 4.37 79.1

Farmers & Mechanics Bank Galesburg 370 235 (11.3) 302 (10.0) 77.6 11.16 17.13 0.56 0.18 5.0 1.06 0.03 1,114 1.17 3.34 64.6

Source: S&P Global Market Intelligence, Most Recent Available Quarter 23 Peoria Banks (2 of 4)

Farmers & Merchants State Bank Bushnell 69 34 (7.7) 63 1.2 54.3 9.75 19.53 0.01 0.01 0.1 0.83 0.00 126 0.74 3.50 76.7

Farmers Bank of Mt. Pulaski Mount Pulaski 57 20 5.3 50 20.1 40.0 12.13 37.20 0.10 0.10 0.8 1.25 (0.18) 31 0.22 2.63 91.3

Farmers State B&TC Mount Sterling 97 64 (14.9) 87 19.9 74.0 9.01 13.30 0.68 0.68 7.6 1.19 (0.02) 335 1.42 3.83 54.0

Farmers State Bank Elmwood 55 31 22.8 49 25.0 63.6 9.04 16.73 1.39 0.62 14.6 1.10 1.22 94 0.70 3.36 80.5

Farmers State Bank of Emden Emden 35 10 11.4 25 17.4 39.1 27.74 60.22 0.37 0.37 1.3 0.54 0.00 69 0.80 2.76 64.1

Farmers State Bk of Western IL Alpha 144 76 5.8 124 31.0 61.4 13.15 20.76 0.28 0.28 2.1 1.78 0.06 452 1.32 4.01 64.8

First Bankers Trust Co. NA Quincy 907 484 (5.4) 720 (16.1) 67.2 9.41 16.06 0.93 0.93 8.0 2.35 2.56 2,463 1.06 3.19 60.5

First Farmers State Bank Minier 172 126 22.4 143 2.2 87.9 12.66 21.70 0.00 0.00 0.0 0.76 (0.01) 670 1.56 3.67 60.8

First FSB Ottawa 364 237 7.9 316 (6.6) 75.0 11.46 25.42 1.66 0.46 13.5 0.60 (0.01) 257 0.28 2.62 90.4

First National Bank Arenzville Arenzville 87 63 9.9 78 23.6 81.6 10.68 13.90 0.89 0.19 7.9 1.23 0.11 277 1.33 4.02 69.5

First National Bank in Tremont Tremont 123 77 6.8 106 22.9 72.6 12.17 19.99 0.52 0.49 4.1 1.13 0.07 203 0.67 3.70 79.9

First National Bank of Lacon Lacon 60 46 16.9 53 (45.2) 86.6 9.83 14.58 0.05 0.05 0.5 1.30 (0.02) 186 1.24 4.30 70.5

First National Bank of Ottawa Ottawa 379 309 132.3 312 (8.3) 99.2 12.45 16.43 1.80 1.79 13.7 1.27 (0.30) 687 0.74 4.05 75.6

First Natl Bk of Beardstown Beardstown 129 84 6.1 113 7.5 74.3 12.09 20.01 0.20 0.20 1.6 1.06 0.05 417 1.30 4.18 67.7

First Security Bank Mackinaw 84 67 (4.7) 74 54.4 90.1 9.78 13.22 1.71 1.71 17.0 0.84 1.39 246 1.20 3.46 69.7

First State Bank Mendota 1,137 957 7.8 961 (1.6) 99.5 9.81 13.43 0.87 0.87 8.0 1.26 0.02 3,474 1.24 3.31 63.8

First State Bank of Van Orin Van Orin 40 11 3.3 36 4.9 30.5 9.85 24.82 1.59 1.59 15.0 1.99 0.00 36 0.36 2.71 81.7

Fortress Bank Peoria 447 345 6.7 380 7.2 90.9 8.58 11.70 1.39 1.39 18.3 1.26 (0.03) 927 0.84 3.40 67.0

Glasford State Bank Glasford 42 22 15.5 38 12.1 56.8 8.77 19.04 0.87 0.87 9.4 0.78 0.62 92 0.92 3.67 72.0

Goodfield State Bank Goodfield 129 102 23.2 111 14.6 91.4 13.34 17.11 0.36 0.36 2.6 1.06 0.03 755 2.42 4.12 51.8

Grand Ridge National Bank Grand Ridge 224 187 11.1 196 13.2 95.7 11.89 14.72 0.09 0.06 0.8 0.55 0.00 1,000 1.84 5.47 52.9

Granville National Bank Granville 89 37 (5.2) 78 5.1 47.7 10.94 28.25 0.35 0.35 2.9 1.43 (0.02) 149 0.68 2.75 71.5

Hartsburg State Bank Hartsburg 16 8 (4.1) 14 31.9 59.1 13.29 19.58 0.00 0.00 0.0 3.07 (0.43) 48 1.23 3.42 64.4

Havana National Bank Havana 254 189 7.9 189 (3.8) 99.8 10.89 14.19 2.44 2.44 20.5 1.03 0.13 910 1.42 3.68 51.5

Hill-Dodge Banking Co. Warsaw 42 24 (11.9) 35 40.1 67.2 15.30 24.10 2.00 1.95 12.3 1.44 0.02 130 1.25 3.95 63.8

Source: S&P Global Market Intelligence, Most Recent Available Quarter 24 Peoria Banks (3 of 4)

Hometown National Bank LaSalle 219 139 11.0 191 (1.2) 72.5 11.50 17.13 0.64 0.15 5.0 1.44 0.00 178 0.33 3.74 96.8

Illini State Bank Oglesby 125 73 17.0 86 37.5 85.1 13.79 20.85 0.33 0.13 2.5 0.90 0.09 339 1.14 3.30 60.4

Ipava State Bank Ipava 142 101 0.7 129 4.7 78.4 8.81 15.02 0.01 0.00 0.1 1.22 (0.06) 668 1.84 4.12 60.0

LaSalle State Bank La Salle 141 76 30.5 97 14.3 78.3 9.93 17.43 0.42 0.22 4.0 1.31 0.06 404 1.18 3.19 72.7

Liberty Bank Liberty 101 69 2.7 87 31.0 78.7 12.86 18.83 1.47 1.47 11.4 0.65 (0.01) 367 1.51 4.13 49.5

Marseilles Bank Marseilles 64 29 (0.3) 56 2.5 51.8 9.99 20.31 0.37 0.37 3.5 0.50 0.04 153 0.96 2.59 63.4

Mason City National Bank Mason City 72 27 2.5 58 18.9 46.0 17.90 39.60 0.41 0.41 2.2 0.53 0.03 302 1.71 3.07 50.4

MidAmerica National Bank Canton 424 266 10.2 363 0.7 73.1 11.22 17.25 0.96 0.36 7.8 1.41 0.01 1,378 1.31 3.93 56.6

Middletown State Bank Middletown 37 30 7.0 33 15.3 90.1 9.48 10.01 0.25 0.25 2.5 0.58 0.04 187 2.01 3.48 39.7

Midwest Bank Monmouth 522 308 (4.4) 391 0.8 78.7 9.24 15.47 1.90 1.65 19.2 1.17 0.06 1,225 0.94 3.30 67.2

Morton Community Bank Morton 3,871 2,695 (3.0) 3,021 1.0 89.2 10.31 13.56 2.09 1.66 19.3 0.93 0.09 15,771 1.65 3.04 43.6

North Adams State Bank Ursa 38 27 18.7 32 24.6 84.9 15.00 23.30 0.36 0.33 2.4 0.56 0.00 65 0.69 4.24 73.2

North Central Bank Hennepin 125 68 12.2 103 0.1 66.2 12.75 20.05 0.98 0.56 7.6 1.87 0.02 324 1.09 3.47 71.1

Ottawa SB Ottawa 304 248 (0.5) 243 16.6 102.1 15.14 21.59 0.76 0.71 4.8 1.12 (0.03) 553 0.74 3.48 73.4

Peoples National Bk of Kewanee Kewanee 361 148 (29.2) 302 9.9 48.9 13.33 24.08 1.02 0.98 7.3 1.69 0.10 941 1.07 4.66 55.2

Peru FSB Peru 151 77 8.1 129 (5.6) 60.2 13.69 27.85 0.77 0.40 5.3 0.65 0.00 190 0.50 2.94 83.5

Petefish Skiles & Co. Virginia 198 128 1.4 157 18.6 81.5 11.77 15.60 0.48 0.48 4.0 0.71 0.09 942 1.93 3.93 59.2

Pioneer State Bank Earlville 108 75 37.6 84 28.7 89.1 11.44 17.74 1.94 1.15 15.0 1.49 0.02 (41) (0.15) 4.32 86.9

Princeville State Bank Princeville 86 39 (12.7) 73 (11.0) 54.4 8.67 13.72 2.92 2.02 28.4 1.55 0.02 126 0.58 3.65 74.3

Raritan State Bank Raritan 182 136 6.6 160 5.5 85.3 11.82 17.80 4.38 2.15 35.3 0.95 0.28 455 1.02 3.49 59.8

Reynolds State Bank Reynolds 107 14 33.4 80 23.8 17.9 24.63 59.89 0.02 0.02 0.1 1.95 0.00 333 1.31 2.29 31.4

Rushville State Bank Rushville 105 47 0.7 88 6.1 53.7 14.51 26.14 1.15 1.15 7.6 1.39 0.01 392 1.50 3.39 55.8

Security SB Monmouth 198 141 4.6 175 6.8 80.7 11.32 16.50 0.37 0.37 3.1 0.98 0.05 261 0.54 2.99 76.9

SENB Bank Moline 297 212 (13.2) 228 (23.8) 93.0 9.32 12.92 0.20 0.08 2.0 1.05 0.04 1,022 1.36 4.33 71.1

Spring Valley City Bank Spring Valley 190 99 31.1 159 0.0 62.4 15.07 29.92 0.55 0.41 3.4 1.93 (0.01) 490 1.04 3.08 62.7

Source: S&P Global Market Intelligence, Most Recent Available Quarter 25 Peoria Banks (4 of 4)

State Bank of Cherry Cherry 91 61 (1.0) 78 13.2 79.1 14.18 20.39 0.49 0.49 3.3 1.19 (0.08) 336 1.52 3.80 55.3

State Bank of Industry Industry 51 37 (3.9) 43 (11.8) 85.5 15.25 22.84 0.33 0.33 2.0 0.94 0.00 202 1.55 3.45 55.1

State Bank of Lincoln Lincoln 345 146 19.8 306 (22.0) 47.6 9.96 19.88 0.20 0.15 1.8 1.52 0.35 498 0.56 3.31 64.7

State Bank of Nauvoo Nauvoo 34 21 3.0 30 37.3 68.4 8.98 16.09 2.95 2.95 29.3 1.06 2.34 96 1.15 3.95 66.9

State Bank of Toulon Toulon 229 146 (12.0) 189 (12.0) 77.1 10.49 13.74 0.90 0.74 8.0 1.07 0.28 663 1.17 3.49 61.3

State Street B&TC Quincy 224 170 7.4 202 14.8 84.0 9.33 13.10 0.16 0.16 1.5 0.79 0.02 1,031 1.84 4.07 63.6

Streator Home SB Streator 163 41 0.4 119 (14.2) 34.1 25.32 90.71 0.53 0.37 2.0 0.71 0.07 204 0.49 2.08 84.5

Table Grove State Bank Table Grove 46 32 (0.5) 38 16.4 84.1 12.47 18.55 0.12 0.12 0.9 0.81 (0.01) 201 1.78 4.45 68.0

Tompkins State Bank Avon 217 141 5.4 183 11.0 77.2 9.37 13.64 0.82 0.77 8.3 0.89 0.00 594 1.11 3.45 67.3

Town & Country Bank Midwest Quincy 188 127 0.1 167 2.4 76.4 11.00 16.23 0.44 0.36 3.7 1.12 0.05 1,127 2.39 4.28 48.9

Union FS&LA Kewanee 150 112 (0.6) 127 1.2 87.7 14.66 25.21 1.77 1.28 11.4 0.87 0.21 176 0.47 3.42 77.4

Vermont State Bank Vermont 30 25 10.3 26 (3.9) 96.0 13.32 19.96 6.70 4.40 45.0 1.51 1.05 1 0.01 3.53 89.7

Washington State Bank Washington 62 31 6.9 55 47.4 55.5 10.99 24.48 1.39 1.39 12.5 0.63 (0.03) 141 0.93 2.77 58.8

Wenona State Bank Wenona 34 18 25.0 29 23.9 61.2 14.87 23.05 1.30 1.30 8.7 1.62 0.56 49 0.60 3.48 73.6

West Central Bank Ashland 182 149 (5.0) 155 (1.0) 96.4 10.19 14.01 1.10 1.10 10.1 0.63 0.09 548 1.20 4.07 74.5

Average 230 146 5.7 187 9.0 71.7 12.5 22.2 1.1 0.9 8.9 1.15 0.10 707 1.05 3.55 67.6 Median 124 71 4.7 93 7.3 76.0 11.5 19.0 0.8 0.5 6.9 1.12 0.02 280 1.08 3.49 67.3

Source: S&P Global Market Intelligence, Most Recent Available Quarter 26 Rockford Banks (1 of 2)

Apple River State Bank Apple River 360 207 1.6 298 17.3 69.3 10.48 16.90 0.25 0.95 0.02 1,350 1.52 3.23 58.3

Byron Bank Byron 276 162 12.4 245 18.4 66.4 10.40 17.08 1.54 1.01 (0.05) 1,100 1.65 3.10 59.6

Citizens State Bank Lena 264 200 0.4 228 2.4 88.0 11.70 16.32 1.28 1.27 3.86 846 1.28 3.62 55.9

Community Bank Winslow 217 126 4.0 150 2.2 83.8 14.29 25.56 0.35 0.97 0.16 793 1.47 2.81 47.6

Cmnty State Bk of Rock Falls Rock Falls 263 198 (5.5) 234 0.5 84.8 10.22 17.08 2.86 1.71 0.38 599 0.91 3.75 61.6

Durand State Bank Durand 106 63 (16.6) 93 8.6 67.7 11.47 18.20 1.56 1.15 (0.01) 227 0.87 3.29 69.9

Exchange State Bank Lanark 91 43 10.0 78 (0.5) 55.7 11.74 21.03 0.66 1.59 0.00 252 1.12 2.97 67.8

Farmers National Bank Prophetstown 726 375 (8.2) 484 20.2 77.5 13.80 21.14 0.84 4.18 0.00 2,758 1.56 3.23 36.6

First National Bank in Amboy Amboy 206 103 2.6 177 19.3 58.1 11.56 19.32 0.22 1.41 0.17 391 0.78 3.36 76.7

First Savanna Savings Bank Savanna 12 9 (4.8) 11 7.8 78.3 10.70 20.93 1.35 0.58 (0.14) (47) (1.55) 4.23 142.4

First State Bank Shannon-Polo Shannon 165 104 4.4 142 8.4 73.1 9.30 11.81 0.99 1.11 0.15 417 1.01 3.33 71.6

First Trust & SB of Albany IL Albany 173 117 (16.7) 146 (26.3) 80.4 13.67 21.55 0.87 0.98 0.10 768 1.78 3.71 60.2

Forreston State Bank Forreston 221 143 18.3 169 7.7 84.6 11.51 16.21 0.62 0.87 (0.01) 636 1.17 3.03 62.8

German-American State Bank German Valley 247 179 1.1 217 4.6 82.5 10.49 13.80 0.56 1.16 0.02 748 1.22 3.60 59.4

H. F. Gehant Banking Co. West Brooklyn 58 43 0.4 49 6.6 87.2 15.91 21.85 0.31 1.76 (0.02) 143 0.99 3.67 72.6

Holcomb Bank Rochelle 188 142 3.4 167 (4.1) 85.0 10.42 13.92 1.63 1.02 (0.07) 272 0.58 3.74 79.7

Illinois Bank & Trust Rockford 871 526 17.6 768 (0.7) 68.5 9.01 12.73 0.20 0.91 (0.14) 2,223 1.06 3.35 66.0

Lena State Bank Lena 90 58 4.7 77 16.3 74.4 12.20 17.59 0.29 2.35 0.00 258 1.16 3.13 54.3

Midwest Community Bank Freeport 246 215 14.9 215 11.7 100.0 11.04 15.24 1.55 0.97 (0.01) 2,334 3.66 3.55 74.2

Milledgeville State Bank Milledgeville 149 92 (2.1) 106 (3.8) 86.1 10.84 16.25 0.16 1.25 0.83 555 1.49 3.25 44.9

Northwest Bank of Rockford Rockford 286 217 (0.9) 244 (15.3) 88.8 9.71 12.71 1.95 1.35 0.13 622 0.86 3.85 73.8

Poplar Grove State Bank Poplar Grove 86 25 (27.6) 62 (0.2) 41.1 26.79 61.20 1.02 0.83 0.00 439 2.06 3.39 46.2

Resource Bank NA DeKalb 527 303 (1.2) 475 13.4 63.8 8.98 14.17 2.72 1.30 (0.02) 1,536 1.19 3.67 74.0

Rockford B&TC Rockford 519 419 (4.1) 452 (1.4) 92.8 9.09 10.74 1.10 1.55 0.06 266 0.21 2.81 83.8

Sauk Valley Bank & Trust Co. Sterling 450 316 (0.4) 393 2.9 80.4 9.52 12.87 1.25 1.27 (0.36) 1,080 0.97 3.55 67.6

Source: S&P Global Market Intelligence, Most Recent Available Quarter 27 Rockford Banks (2 of 2)

Savanna-Thomson State Bank Savanna 94 55 (9.3) 80 28.6 69.2 12.13 18.96 1.19 0.93 0.59 200 0.88 3.32 69.7

State Bank Freeport 263 177 (3.5) 211 1.0 84.0 11.06 15.43 0.84 2.02 0.00 996 1.52 3.36 47.1

State Bank of Davis Davis 161 89 (7.9) 125 15.3 70.6 11.61 18.07 1.68 2.13 0.00 532 1.36 3.09 47.0

State Bank of Pearl City Pearl City 58 35 (1.1) 51 (4.5) 68.5 11.40 19.49 0.26 1.65 0.10 119 0.79 2.42 77.7

Sterling Federal Bank F.S.B. Sterling 454 231 8.0 364 (4.4) 63.5 8.55 16.30 1.39 0.87 0.58 (34) (0.03) 3.01 101.4

Stillman BancCorp N.A. Stillman Valley 464 164 6.0 389 6.3 42.1 8.81 19.84 0.41 1.22 (0.05) 1,480 1.30 2.76 66.1

UNION SB Freeport 152 111 5.1 135 (9.5) 82.3 10.57 17.46 0.63 0.75 0.07 155 0.41 3.42 87.6

Waterman State Bank Waterman 34 16 (9.1) 26 21.6 59.1 11.31 18.20 3.59 1.27 0.00 12 0.15 3.47 95.4

Average 257 159 (0.1) 214 5.2 74.5 11.5 18.5 1.1 1.34 0.19 728 1.07 3.34 68.5 Median 217 142 0.4 169 4.6 77.5 11.0 17.1 1.0 1.22 0.00 555 1.12 3.35 67.6

Source: S&P Global Market Intelligence, Most Recent Available Quarter 28 Recent Midwestern Transactions

Sorted by date announced Terms of the Transaction Target Financials Deal Purchase Price to Core Dep. Total NPA/ TCE/ LTM Date Considr Value Tg. Bk Erngs Assets Premium Assets Assets TA ROAA Announced Buyer St. Seller City St. Type ($M) (%) (x) (%) (%) ($M) (%) (%) (%) 11/05/19 RGP Group LLC FL Firstate Bancorp Inc. Mason City IL Mix 5.0 128.4 NM 19.8 5.9 25.3 1.07 15.55 0.67 11/01/19 Tri-County Finl Group Inc. IL H.F. Gehant Bancorp Inc. West Brooklyn IL Mix NA NA NM NA NA 58.4 0.31 15.91 1.22 10/29/19 Northwest Bancshares, Inc. PA MutualFirst Financial Inc. Muncie IN Mix 359.3 178.4 16.0 17.3 NA 2073.6 0.44 9.60 1.09 10/28/19 Boyle Bancorp Inc. KY Farmers Deposit Bank Liberty KY Mix NA NA NM NA NA 45.0 0.59 10.09 1.19 10/27/19 Peoples Bankshares Ltd. KS Osborne Investments Inc. Osborne KS Mix NA NA NM NA NA 68.2 NA NA NA 10/17/19 CCB Financial Corp. MO Bank of the Prairie Olathe KS Mix NA NA NM NA NA 142.9 1.66 NA 0.78 10/15/19 Docking Bancshares Inc. KS Midland Financial Corp. Newton KS Mix NA NA NM NA NA 136.1 0.27 11.83 0.77 10/15/19 Citizens Union Bancorp KY Peoples B&TC Owenton KY Mix NA NA NM NA NA 53.0 2.20 14.25 1.12 10/09/19 First Waterloo Bancshares Inc. IL Best Hometown Bancorp Inc. Collinsville IL Cash 12.3 NA NM 10.8 NA 114.5 NA 10.83 NA 10/07/19 Bosshard Financial Group Inc. WI McFarland State Bank McFarland WI Mix NA NA NM NA NA 516.2 0.02 10.99 1.10 09/30/19 Community Bancshares of Americ MO Northeast Kansas Bcshs Inc. Valley Falls KS Mix NA NA NM NA NA 36.5 1.60 9.52 -0.59 09/30/19 First Cecilian Bancorp Inc. KY Hartland Financial Inc. Hartford KY Mix NA NA NM NA NA 115.2 0.11 7.75 1.44 09/27/19 First MHC OH Warsaw FS&LA Cincinnati OH Mix NA NA NM NA NA 56.0 1.84 13.68 -1.08 09/25/19 Central Bancompany Inc. MO Platte County Bancshares Inc. Platte City MO Cash NA NA NM NA NA 605.0 0.07 10.02 1.87 09/18/19 Keweenaw Financial Corporation MI North Star Financial Hldgs Inc Bingham Farms MI Cash 42.0 177.6 21.2 14.8 14.7 283.5 0.58 8.35 0.76 09/17/19 FB Financial Corp. TN FNB Financial Corp. Scottsville KY Mix 51.9 128.8 16.4 20.6 6.9 252.5 0.33 15.94 1.27 09/16/19 Cornerstone Finl Svcs Grp Inc. IA Peoples State Bank Albia IA Mix NA NA NM NA NA 119.2 0.17 13.27 0.87 09/09/19 First Defiance Financial OH United Community Finl Corp. Youngstown OH Mix 474.9 160.0 12.5 16.6 9.2 2,869.1 0.97 10.32 1.36 09/06/19 RBB Bancorp CA PGB Holdings Inc. Chicago IL Cash 32.5 169.5 9.7 14.6 9.5 223.3 0.20 10.96 1.45 09/03/19 First York Ban Corp. NE Malmo Bancorp Inc. Malmo NE Cash 7.7 155.7 26.8 20.3 14.5 38.0 0.00 13.25 0.78 08/30/19 Farmers National Banc Corp. OH Maple Leaf Financial Inc. Newbury OH Mix 39.6 120.0 NM 14.3 7.4 276.7 4.86 14.48 0.56 08/30/19 Bank Iowa Corp. IA First State Bank of Colfax Colfax IA Mix NA NA NM NA NA 64.3 0.28 23.79 2.20 08/29/19 FCN Banc Corp. IN DSA Financial Corp. Lawrenceburg IN Mix 18.3 NA NM 13.9 NA 131.9 NA 11.61 NA 08/28/19 First Midwest Bancorp Inc. IL Bankmanagers Corp. Milwaukee WI Mix 193.8 165.2 15.0 20.5 10.7 947.5 1.68 12.01 1.73

Max $474.9 178.4 26.8 20.6 14.7 $2,869.1 4.86 23.79 2.20 Min 5.0 120.0 9.7 10.8 5.9 25.3 0.00 7.75 -1.08 Avg. 112.5 153.7 16.8 16.7 9.9 385.5 0.92 12.45 0.98 Median 39.6 160.0 16.0 16.6 9.4 125.5 0.44 11.72 1.10

Note: Includes whole bank transactions where 100% equity was acquired; Data as of November 7, 2019 Note: Midwest consists of OH, KY, IN, MI, WI, IL, MO, IA, ND, SD, KS, NE, MN Source: S&P Global Market Intelligence 29 III. OVERVIEW – JANNEY MONTGOMERY SCOTT LLC A Leading Middle Market Investment Bank…

. Janney has completed its 186th year of providing financial advice and superior By-the-Numbers service to individuals, families, corporations and institutions – 12th largest U.S. brokerage firm 1832 Janney Founded – 2,051 employees in 119 offices across 21 states 836 Financial Advisors . Janney continues to demonstrate profitability in times of market turbulence – LTM Revenue of $723.5 million 250+ Capital Markets Professionals – 69 total investment banking transactions representing more than $6.8 billion in 187 Companies Under Coverage aggregate transaction value in 2018 – 126 consecutive quarters of profitability $88B Assets under Management . Janney’s strategy is focused on growth 69 2018 Banking Transactions – 2019 Q2: 116 new professionals and 28 promoted – Private Client Group: 13 Capital Markets Offices – 2019 YTD: Recruited 33 Financial Advisors with a total of $2.5 billion in assets under 10 Publishing Analysts management at hire – Capital Markets: 6 Dedicated Industry Groups – Recently acquired FIG Partners, an Atlanta-based investment banking and research firm focused on community banks 1 Firm Approach . Janney is an independent subsidiary of Penn Mutual, one of the largest and oldest mutual insurance companies in the United States – Assets of $25.8 billion and 2018 Revenue of $3.2 billion – Superior ratings profile: – Penn Mutual: S&P: A+ | Moody’s: Aa3 | KBRA: AA- – Janney: KBRA: A The stability of Janney’s platform allows us to be completely focused on our clients and transactions

31 … With the Benefit of Full-Service Capabilities

JANNEY’S CAPABILITIES JANNEY’S GEOGRAPHIC FOOTPRINT

. 447 transactions aggregating $52.0+ billion in . Janney has 118 offices in over 21 states across the Investment transaction value since 2013 United States Banking . 6 targeted industry coverage sectors with an additional dedicated Financial Sponsors effort . Institutional sales force across 13 institutional offices with over 100 equity and fixed income sales Private Client . 836 financial advisors with approximately $87.6 professionals throughout Janney’s geographic Services billion of client assets under management footprint

Municipal . 43 professionals and 2,800+ transactions Finance totaling $185.0 billion from 2010 – 2017

Asset . 15 person team with discretionary investment Management management of $3.9 billion in client assets

Fixed Income . 100+ sales and trading professionals covering Sales & Trading 1,000+ accounts

Equity . 11 professionals covering 500+ accounts and Sales & Trading market makers in 1,300+ stocks

Equity . 25 person research team with 10 publishing Research analysts who combined cover 187 companies

Janney’s investment banking team has access to the Firm’s full-service capabilities

32 A Comprehensive Investment Banking Platform

CAPITAL MARKETS INVESTMENT BANKING INDUSTRY GROUPS

Investment Business Financial Banking Equity Services Institutions Research

Private Client Equity Sales Industry Services & Trading Basic Healthcare Industries Coverage Groups

Municipal Fixed Income Finance Sales & Trading Asset Real Estate Infrastructure Management

INVESTMENT BANKING SERVICES INVESTMENT BANKING PRODUCTS . Capital Markets – Initial Public Offerings – Subordinated Debt – Follow-on Offerings – Convertible Securities – – PIPEs & High-Grade and High-Yield Debt Share Repurchases Public / Private Mergers & Financial Registered – At-the-Market-Offerings (ATMs) Equity Acquisitions Sponsors Directs Coverage . Mergers & Acquisitions M&A and – Exclusive Sales & Exit Planning – Leveraged & Management Buyouts Equity / Debt Sponsor – Acquisition Advisory – Fairness Opinions & Corporate Defense Capital Markets Coverage . Private Placements Financial Proprietary – – PIPEs & Registered Directs Private Debt Senior / Mezzanine / Advisory & Deal – Private Equity – Convertible & Preferred Securities Structured Debt Junior Capital Restructuring Sourcing . Financial Advisory & Restructuring – Valuations – Loan Workouts & Debt Restructurings – Capital Structure Optimization – Distressed Asset Sales – Board Advisory & Dispute Services – Special Situations 33 Positioned to Deliver Results for Our Clients

Service offerings: Bulge Bracket Boutique

Highly experienced executives

“Hands-on” senior team

Resources of a large corporation

Full-service advisory practice

Advice free of conflicts

Committed to smaller clients

Janney is uniquely positioned with the capabilities of a “bulge bracket” investment bank while providing the highly focused attention of a boutique

34 A Nationally Recognized, Leading Bank M&A Advisor

. Since January 1, 2017, the Financial U.S. Bank M&A Advisory League Tables1 Number of Institutions Group in place has advised Rank Advisor Transactions on 56 M&A transactions, totaling Since January 1, 2017 approximately $5.1 billion in 1 Sandler O'Neill 145 transaction value 2 Stifel / KBW 116 . The Financial Institutions Group has 3 Hovde Group, LLC 66 advised on 130 M&A transactions, totaling more than $8.4 billion in 4 Janney Montgomery Scott 56 transaction value 5 D.A. Davidson & Co. 46

$86 Million $875 Million $81 Million $261 Million $834 Million

Agreed to be Acquired Agreed to be Acquired Agreed to Acquire Agreed to Acquire Agreed to be Acquired by by by

Financial Advisor Financial Advisor Financial Advisor Financial Advisor Financial Advisor August 2019 July 2019 July 2019 January 2019 January 2019

(1) Data as of November 4, 2019 Note: Completion metrics shown unless unavailable Source: S&P Global Market Intelligence, Janney Montgomery Scott, LLC 35 Historical Whole Bank Transactions Advised by FIG Group

The Financial Institutions Group has advised on 130 community bank deals Nationwide This represents over $8.4 billion in deal value

Announcement Deal Value Total Assets Announcement Deal Value Total Assets Date Buyer Seller ($M) ($M) Date Buyer Seller ($M) ($M)

11/4/2019 BayCom Corp Grand Mountain Bancshares Inc. 13.9 130.6 12/20/17 Heritage Commerce Corp Tri-Valley Bank 31.1 147.2 10/21/2019 Banc of Southern California CalWest Bancorp 32.0 234.4 12/13/17 South Atlantic Bancshares, Inc. Atlantic Bancshares Inc. 18.1 87.0 9/18/2019 Citizens Financial Services MidCoast Community Bancorp 31.2 268.5 12/11/17 Union Savings and Loan Association Hibernia Bancorp Inc 28.0 136.5 9/6/2019 RBB Bancorp PGB Holdings 33.0 223.3 12/11/17 First Mid-Illinois Bancshares, Inc. First BancTrust Corp. 73.8 465.6 8/12/2019 Professional Holding Corp. Marquis Bancorp, Inc. 86.3 680.3 10/24/17 Bangor Bancorp, MHC First Colebrook Bancorp Inc. 45.0 262.4 7/31/2019 Investar Holding Corp. Bank of York 15.0 99.5 09/27/17 Old Line Bancshares, Inc. Bay Bancorp Inc. 127.6 645.9 07/22/19 First Bancshares, Inc. First Florida Bancorp Inc. 85.0 451.0 09/18/17 First American Bank Corporation Southport Financial Corp. 44.0 285.3 07/01/19 BayCom Corp TIG Bancorp 39.4 228.9 08/16/17 National Commerce Corporation FirstAtlantic Finl Hldgs Inc 107.9 462.4 06/18/19 Verve Credit Union South Central Bank NA -- 295.9 08/01/17 PB Financial Corporation CB Financial Corp. 11.2 106.8 05/28/19 Santa Cruz County Bank Lighthouse Bank 68.9 314.4 07/21/17 Delmar Bancorp Liberty Bell Bank 16.8 147.8 05/21/19 Citizens Holding Company Charter Bank 20.0 160.5 06/28/17 Bank of McKenney CCB Bankshares Inc. 19.0 216.1 05/08/19 Southern States Bancshares, Inc. East Alabama Financial Group, Inc. -- 241.1 06/26/17 BayCom Corp. Plaza Bank 10.6 69.7 03/19/19 First Bank Grand Bank NA 19.4 196.9 06/01/17 Charter Financial Corporation Resurgens Bancorp 26.3 166.8 01/22/19 Citizens Community Bancorp, Inc. F. & M. Bancorp of Tomah Inc. 21.6 194.6 05/04/17 Trona Valley Community Federal Credit Union State Bank -- 37.0 12/20/18 CCF Holding Company Heritage Bncp, Inc./ Providence Bk 105.0 628.7 05/04/17 Seacoast Banking Corporation of Florida Palm Beach Community Bank 71.3 346.0 12/17/18 Ameris Bancorp Fidelity Southern Corp. 750.7 4,812.1 04/24/17 Sierra Bancorp OCB Bancorp 35.5 270.3 12/13/18 Delmar Bancorp Virginia Partners Bank 55.1 420.1 03/28/17 FNS Bancshares, Inc. Commerce Bancshares Inc. 21.8 159.1 12/12/18 Morris State Bancshares, Inc. FMB Equibanc Inc. 23.6 193.0 03/17/17 Citizens Community Bancorp, Inc. Wells Financial Corp. 40.2 268.5 12/10/18 BayCom Corp Uniti Financial Corp. 63.9 325.4 02/17/17 West Town Bancorp, Inc. Sound Banking Co. 22.9 185.3 11/15/18 BankFirst Capital Corporation FNB Bcshs of Central AL Inc. 47.4 273.2 02/06/17 First Busey Corporation First Community Finl Partners 242.0 1,268.2 09/13/18 Park National Corporation CAB Financial Corp. 141.8 730.7 12/15/16 BayCom Corp. First ULB Corp. 36.9 452.6 08/23/18 Lakeland Bancorp, Inc. Highlands Bancorp Inc. 56.7 487.9 12/13/16 Southern National Bancorp of Virginia, Inc. Eastern Virginia Bankshares 180.9 1,314.9 08/22/18 First Busey Corporation Banc Ed Corp. 304.9 1,853.1 11/15/16 Little Bank, Inc. Union Banc Corp. 30.7 299.5 08/13/18 BayCom Corp Bethlehem Financial Corp 23.5 156.8 11/03/16 Bay Banks of Virginia, Inc. Virginia BanCorp Inc. 31.6 323.6 07/24/18 First Bancshares, Inc. FMB Banking Corp. 80.0 480.4 10/20/16 Independent Bank Corp. Island Bancorp Inc 24.5 194.1 06/21/18 Citizens Community Bancorp, Inc. United Bank 50.7 280.8 07/01/16 North Shore Bank, FSB Layton Park Financial Grp Inc 5.7 122.9 06/15/18 Carolina Trust BancShares, Inc. Clover Community Bkshs Inc. 21.5 130.2 06/08/16 Farmers & Merchants Bancorp Delta National Bancorp 7.2 106.0 06/12/18 First Mid-Illinois Bancshares, Inc. SCB Bancorp Inc. 70.4 437.8 05/12/16 Coastal Carolina Bancshares, Inc. VistaBank 12.2 110.1 06/07/18 First Midwest Bancorp, Inc. Northern States Financial Corp 91.0 487.1 04/26/16 First Mid-Illinois Bancshares, Inc. First Clover Leaf Fin Corp. 89.5 636.9 05/18/18 Citizens Bancshares Corporation Regional Bankshares Inc. 11.3 117.0 03/14/16 First Community Financial Partners, Inc. Mazon State Bank 8.5 84.6 05/13/18 Cadence Bancorporation State Bank Finl Corp. 1,373.7 4,892.3 01/04/16 Sierra Bancorp Coast Bancorp 13.8 146.9 05/10/18 Stifel Financial Corp. Bus. Bancshares Inc. 127.4 619.5 12/17/15 Pacific Commerce Bancorp ProAmérica Bank 29.8 211.1 04/23/18 RBB Bancorp First American Intl Corp 116.8 873.4 12/03/15 First Busey Corporation Pulaski Financial Corp. 211.6 1,521.7 04/19/18 Premier Financial Bancorp, Inc. First Bank of Charleston Inc. 27.8 189.2 12/03/15 Charter Financial Corporation CBS Financial Corp. 58.7 368.7 03/14/18 HarborOne Bancorp, Inc. (MHC) Coastway Bncp, Inc. 125.6 738.9 11/23/15 BNH Financial Community Guaranty Corp. 12.9 115.1

Note: Data as of November 4, 2019 Source: S&P Global Market Intelligence, Janney Montgomery Scott, LLC 36 A Nationally Recognized Capital Raising Leader

. Since January 1, 2017, the Financial Institutions Capital Offerings League Tables < $1.0 Billion Assets¹ Group has helped raise more than $1.3 billion of Rank Advisor Number of Offerings equity capital, and more than $225 million of debt National capital, successfully completing 42 equity capital 1 Janney Montgomery Scott 67 raises and 14 debt capital raises 2 Sandler O'Neill 46 3 Stifel / KBW 29

Capital Offerings League Tables < $50.0 Million Offered2 Capital Offerings League Tables < $1.0 Billion Assets¹ . The Financial Institutions Group has helped raise Number of more than $4.7 billion of equity capital, and more Rank Advisor Offerings than $825 million of debt capital, successfully National completing 144 equity capital raises and 36 debt 1 Sandler O'Neill 95 2 Stifel / KBW 75 capital raises 3 Janney Montgomery Scott 72

$31.1 Million $26.3 Million $63.3 Million $45.0 Million $72.1 Million

Initial Public Common Stock Common Stock Common Stock Initial Public Offering Offering Offering Offering Offering Lead Book Runner Sole Placement Agent Sole Book Runner Sole Placement Agent Lead Book Runner May 2019 April 2019 August 2018 August 2018 May 2018

(1) Preferred and common stock offerings from January 1, 2009 to November 4, 2019 (2) Preferred and common stock offerings from January 1, 2011 to November 4, 2019 37 Source: S&P Global Market Intelligence, Janney Montgomery Scott, LLC Strong History of Capital Raising Efforts

Date of Company State Symbol Offering/Role Offering Size Offering . Specialization Most Recent Janney FIG Group Capital Raises Eureka Homestead Bancorp, Inc. WI ERKH IPO-Conversion $14.3 M Jul-19 BankGuam Holding Company GU BKGM.F Sub Debt $15.0 M Jun-19 Janney is among the premier investment banking and capital markets First Internet Bancorp IN INBK Sub Debt $35.0 M Jun-19 firms focused on serving the needs of small-cap financial institutions. Home Bancorp Wisconsin, Inc. WI HWIS Sole Placement Agent $4.1 M Jun-19 Red River Bancshares, Inc. LA RRBI Lead Book Runner $31.1 M May-19 BankFirst Capital Corporation MS Private Sole Placement Agent $13.0 M Apr-19 . Institutional Distribution United Bancorporation of Alabama, Inc. AL UBAB Sole Placement Agent $26.3 M Apr-19 Victory Bancorp, Inc. PA VTYB Sub Debt $3.0 M Mar-19 Our Equity Capital Markets team has excellent long-term relationships First Southern Bank GA Private Sole Placement Agent $16.0 M Feb-19 FNCB Bancorp, Inc. PA FNCB Lead Manager $23.0 M Feb-19 with leading institutions focused on investing in small- and mid-cap Mercantil Bank Holding Corporation FL AMTB Co-Manager $81.9 M Dec-18 banks. Grand Mountain Bancshares, Inc. CO GMBB Sub Debt $1.5 M Dec-18 Embassy Bancshares, Inc. GA Private Sub Debt $5.0 M Dec-18 GrandSouth Bancorporation SC GRRB Sub Debt $10.0 M Nov-18 . Accredited Investor and Retail Network Pilot Bancshares, Inc. FL PLBN Sole Placement Agent $10.0 M Oct-18 Revere Bank MD REVB Co-Manager $47.1 M Sep-18 Janney has a deep stable of high net worth and home office investors HarborOne Bancorp, Inc. (MHC) MA HONE Sub Debt $35.0 M Aug-18 Select Bancorp, Inc. NC SLCT Sole Book Runner $63.3 M Aug-18 to ensure success on smaller market cap names. MainStreet Bancshares, Inc. VA MNSB Sole Placement Agent $45.0 M Aug-18 Freedom Bancorp, Inc. NJ Private Sub Debt $12.0 M Jun-18 Citizens Community Bancorp, Inc. WI CZWI Senior Placement Agent $65.0 M Jun-18 . After Market Support First Mid-Illinois Bancshares, Inc. IL FMBH Lead Book Runner $36.0 M Jun-18 First Internet Bancorp, Inc. IN INBK Co-Manager $57.5 M Jun-18 Our Sales and Trading desk is a leading market maker in small-cap Studio Bank TN Private Sole Placement Agent $46.0 M Jun-18 BayCom Corp. CA BCML Lead Book Runner $72.1 M May-18 stocks, often trading far more shares than any of the other financial Gateway Bank, F.S.B. CA Private Sole Placement Agent $10.5 M May-18 institution “boutique” firms. Porter Bancorp, Inc. KY PBIB Financial Advisor $15.0 M Mar-18 Village Bank and Trust Financial Corp. VA VBFC Sub Debt $5.7 M Mar-18 SB Financial Group, Inc. OH SBFG Sole Book Runner $30.0 M Feb-18 . Research Capabilities First Capital Bancshares, Inc. NC FCPB Financial Advisor $30.0 M Feb-18 Ben Franklin Financial, Inc. IL BFFI Sole Placement Agent $4.5 M Feb-18 Janney FIG Research team is a leading provider to community banks McHenry Bancorp, Inc. IL Private Sole Placement Agent $23.0 M Jan-18 Coastal Bank & Trust NC Private Sole Placement Agent $8.0 M Jan-18 with coverage of over 100 banks, mostly small-cap, throughout the First Bancshares, Inc. MS FBMS Co-Manager $58.4 M Oct-17 entire nation. Eagle Bancorp Montana, Inc. MT EBMT Co-Manager $21.7 M Oct-17 FFBW, Inc. WI FFBW Sole Placement Agent $29.5 M Oct-17 Gold Coast Bancorp NY GLDT Sub Debt $13.5 M Sep-17 . Experienced Deal Team Fidelity Financial Corporation KS Private Sub Debt $42.0 M Sep-17 Pilot Bancshares, Inc. FL PLBN Sole Placement Agent $7.5 M Sep-17 We will devote significant investment banking resources to ensure the First Internet Bancorp IN INBK Co-Manager $55.0 M Sep-17 FS Bancorp, Inc. WA FSBW Co-Manager $27.6 M Sep-17 highest level of execution. Our investment bankers have a tremendous Grand Mountain Bancshares, Inc. CO Private Sole Placement Agent $5.6 M Sep-17 Bay Banks of Virginia, Inc. VA BAYK Sole Placement Agent $35.0 M Aug-17 amount of experience leading equity capital transactions for our clients. Citizens Community Bancorp, Inc. WI CZWI Sub Debt $15.0 M Aug-17 Bank of Fincastle VA BFTL Sole Placement Agent $14.3 M Jul-17

38 Recent Financial Institutions Group Transactions

Agreed to be Acquired Agreed to be Acquired Agreed to be Agreed to be Acquired by by Agreed to Acquire Acquired by by

Financial Advisor Financial Advisor Financial Advisor Financial Advisor Financial Advisor November 2019 October 2019 September 2019 September 2019 August 2019

Agreed to Purchase Agreed to Acquire 4 Branches from Agreed to Acquire Agreed to Acquire TIG Bancorp Subordinated Debt Offering Holding Company for $15,000,000 6.35% Fixed to Floating rate Financial Advisor Financial Advisor Financial Advisor Financial Advisor Sole Placement Agent July 2019 July 2019 July 2019 July 2019 June 2019

Agreed to Sell A Agreed to be $35,000,000 Single Branch to Agreed to Acquire Acquired by $4,075,000 Subordinated Debt Offering Common Stock Offering Co-Manager Financial Advisor Financial Advisor Sole Placement Agent Financial Advisor June 2019 June 2019 June 2019 June 2019 May 2019

Note: Dates are as of announcement date for M&A transactions, unless noted otherwise 39 Disclaimer

The information in this presentation is based upon various sources of information which have been supplied to Janney and reflects prevailing conditions and Janney’s views as of this date, all of which are accordingly subject to change. This information is from third party sources which are deemed reliable but Janney makes no representations or warranties as to the accuracy or completeness of this information. Any Janney estimates constitute Janney's judgment and should be regarded as indicative, preliminary and for illustrative purposes only. In preparing this presentation, relied, without independent investigation, upon the accuracy and completeness of all financial and other information provided to us or which is publicly available. Janney’s analysis is not and does not purport to be appraisals of the assets, stock or business of the any company or any other entity. Janney does not make representations as to the actual value which may be received in connection with a transaction nor the legal, tax or accounting effects of consummating a transaction. Unless expressly contemplated hereby, the information in this presentation does not take into account the effects of a possible transaction or transactions involving an actual or potential change of control, which may have significant valuation and other effects. This presentation does not represent a fairness opinion, recommendation, valuation or opinion of any kind. The information contained herein, as well as any other advice, services or other information provided to you by Janney, is being provided in for informational purposes only and may not be used or relied upon in any manner, nor are any duties or obligations created with respect thereto, except and to the extent specifically set forth in a written engagement letter or other agreement with Janney. This presentation does not constitute a commitment by Janney or any of its affiliates to underwrite, subscribe for or place any securities to extend or arrange credit or to provide any other service. Janney policy mandates that no Janney employee may directly or indirectly offer a Company favorable research or threaten to change research as consideration or inducement for the receipt of business or compensation. Member: NYSE, FINRA, SIPC

40 Financial Institutions Group