COMMUNITY BANK LANDSCAPE Illinois 1St Quarter 2019

COMMUNITY BANK LANDSCAPE Illinois 1st Quarter 2019

RESEARCH | INVESTMENT BANKING | EQUITY SALES & TRADING | FIXED INCOME | CORPORATE & PRIVATE CLIENT SERVICES TABLE OF CONTENTS

SECTION DESCRIPTION

I. ILLINOIS BANK REGULATORY DATA

II. FIG PARTNERS UPDATE

2 I. 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 Peoria quarter as of March 31, 2019

Champaign ▪ Regulatory call report data shown for all banks

Edwardsville KEY STATE OBSERVATIONS ▪ Median loan growth of -1.81%

▪ Median NIM of 3.51% 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 4 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/ 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) (%) (%) (%)

1st Equity Bank Skokie $98 $80 (21.4) % $75 (12.8) % 107.0 % 14.79 % 18.51 % 5.19 % 4.10 % 31.8 % 1.42 % 0.00 % $337 1.34 % 3.38 % 60.0 %

1st Equity Bank Northwest Buffalo Grove 39 30 (8.3) 30 (30.3) 99.9 22.06 34.67 0.00 0.00 0.0 1.33 0.00 95 0.94 3.23 73.1

Albany Bank & Trust Co. NA Chicago 600 427 0.5 501 (2.5) 85.3 15.84 21.46 0.57 0.57 3.4 1.17 (0.02) 1,282 0.85 3.44 63.8

Algonquin State Bank Algonquin 147 85 20.0 131 23.3 64.4 10.02 14.92 1.36 1.13 13.3 0.74 (0.01) 126 0.34 3.22 91.1

Allied First Bank sb Oswego 90 54 (1.6) 79 22.1 67.7 10.17 18.39 3.59 2.04 30.6 1.13 0.48 236 1.12 3.85 96.2

Amalgamated Bank of Chicago Chicago 763 466 1.1 661 (71.8) 70.4 11.74 17.32 1.04 1.02 9.1 1.25 0.24 1,574 0.83 4.25 77.8

American Community Bank & Tr Woodstock 546 365 (6.2) 469 (1.4) 77.8 13.94 19.72 0.57 0.53 3.9 1.23 (0.01) 1,209 0.89 3.23 65.0

American Eagle Bank South Elgin 274 205 4.4 246 14.8 83.4 7.86 11.06 0.68 0.56 8.2 0.74 0.42 617 0.91 3.30 55.0

American Eagle Bank of Chicago Chicago 103 74 (3.4) 92 (8.2) 81.1 9.35 13.84 2.16 0.92 21.2 0.74 0.24 22 0.08 2.75 89.6

American Metro Bank Chicago 84 67 15.0 65 22.2 104.4 10.39 15.26 3.28 1.73 30.0 0.86 (0.02) 71 0.34 3.73 91.0

Bank of Bourbonnais Bourbonnais 59 43 (9.7) 48 (1.4) 89.1 14.18 23.16 0.00 0.00 0.0 2.71 0.00 68 0.46 3.40 82.3

Bank of Montgomery Montgomery 44 16 (8.7) 40 3.4 39.5 8.98 21.71 1.64 1.20 16.7 1.07 0.00 56 0.51 2.84 81.7

BankFinancial NA Olympia Fields 1,542 1,315 (5.2) 1,344 (8.8) 97.8 10.45 14.58 0.15 0.15 1.4 0.64 0.01 3,855 0.99 3.59 65.4

Barrington Bank & Trust Co. NA Barrington 2,147 1,756 7.0 1,592 6.1 110.3 13.99 11.62 0.51 0.36 3.8 0.32 0.17 132 0.03 3.84 99.2

Belmont B&TC Chicago 478 357 16.9 427 24.1 83.6 10.38 14.63 1.21 0.70 10.7 1.19 0.00 1,526 1.29 3.59 47.9

Ben Franklin Bank of IL Arlington Heights 93 74 (10.1) 74 (11.7) 99.4 11.10 16.81 1.87 1.36 15.7 1.19 (0.03) (82) (0.35) 3.79 109.4

Beverly Bank & Trust Co. NA Chicago 1,400 1,127 21.3 1,201 15.8 93.8 10.52 11.56 0.39 0.13 3.6 0.47 0.03 3,358 0.97 3.48 70.3

BMO Harris Bank NA Chicago 122,895 82,527 8.2 96,068 (3.9) 85.9 10.84 12.86 1.08 0.75 9.6 0.88 (0.08) 315,048 1.04 2.95 61.7

BMO Harris Central NA Roselle 8 - NA 1 - 0.0 86.83 431.76 0.00 0.00 0.0 NA NA 8 0.40 11.30 (120.0)

Brickyard Bank Lincolnwood 109 90 15.7 95 (16.5) 95.4 12.52 18.63 2.47 0.19 17.9 1.40 (0.01) 256 0.92 3.91 80.2

Bridgeview Bank Group Bridgeview 1,145 762 (62.8) 994 (18.9) 76.6 10.19 15.10 1.54 1.44 12.6 1.02 (0.03) 1,287 0.44 3.67 82.6

Burling Bank Chicago 142 105 18.6 117 20.7 89.5 10.20 17.47 0.00 0.00 0.0 1.15 0.00 516 1.47 4.10 59.3

Byline Bank Chicago 5,007 3,568 5.3 3,828 6.4 93.2 10.67 13.55 0.98 0.95 9.0 0.76 0.24 13,346 1.07 4.45 61.9

Casey State Bank Casey 313 226 (5.5) 278 4.8 81.3 10.86 15.08 2.03 1.95 17.7 1.30 0.12 956 1.23 3.77 61.0

Central FS&LA Cicero 179 111 (1.3) 150 2.8 74.0 10.72 24.63 2.99 0.56 26.8 1.01 (0.14) 63 0.14 2.91 95.2

Source: S&P Global Market Intelligence, Most Recent Available Quarter 5 CHICAGO METRO BANKS (2 OF 5)

Central FS&LA Cicero 179 111 (1.3) 150 2.8 74.0 10.72 24.63 2.99 0.56 26.8 1.01 (0.14) 63 0.14 2.91 95.2

Central Savings FSB Chicago 109 97 (2.6) 81 (22.1) 118.7 23.45 31.85 1.64 1.64 6.4 1.53 (0.01) 191 0.68 3.69 73.0

CenTrust Bank NA Northbrook 130 96 6.9 113 20.5 84.9 9.12 12.13 5.98 5.67 60.4 1.57 0.00 180 0.58 4.38 72.2

Chicago Trust Co. NA Lake Forest 110 - NA - NA NA 99.62 470.74 0.00 0.00 0.0 NA NA 829 3.03 2.77 68.2

CIBC Bank USA Chicago 30,180 20,209 23.2 22,063 21.5 91.6 11.10 12.56 1.00 0.63 9.8 1.05 0.03 74,532 1.02 3.43 41.6

Community Bank of Elmhurst Elmhurst 150 78 (5.7) 135 12.9 57.7 10.01 17.51 1.38 0.92 13.5 1.09 (0.01) 327 0.89 3.74 74.3

Community SB Chicago 391 229 (5.8) 325 (5.7) 70.4 16.40 40.50 1.56 0.15 9.4 0.37 (0.15) 388 0.39 2.92 86.3

Cornerstone National B&TC Palatine 583 420 (1.8) 520 9.5 80.7 9.65 12.50 0.55 0.55 5.1 1.66 0.00 1,636 1.13 3.62 64.5

Countryside Bank Countryside 594 415 12.6 509 11.0 81.4 11.21 13.67 1.08 0.67 9.0 1.51 0.03 2,686 1.85 5.15 62.5

Crystal Lake Bank & Tr Co. NA Crystal Lake 1,123 890 23.3 983 31.8 90.5 9.85 11.34 0.21 0.15 2.1 0.53 0.07 4,011 1.48 3.45 41.6

Devon Bank Chicago 294 200 (13.1) 265 2.1 75.5 7.84 11.63 1.39 0.83 14.8 1.97 (0.23) 233 0.32 3.81 91.4

Evergreen Bank Group Oak Brook 1,009 821 4.7 876 9.0 93.7 10.74 13.27 0.13 0.07 1.2 1.13 0.66 2,872 1.14 4.23 51.5

Federal SB Chicago 464 421 75.7 285 127.7 147.8 24.64 33.71 0.96 0.96 5.1 0.23 (0.68) 7,616 8.64 3.70 81.6

First American Bank Elk Grove Village 5,569 1,762 (2.3) 3,704 (14.4) 47.6 6.73 15.75 1.19 0.47 16.2 1.31 (0.08) 11,838 0.88 2.34 77.0

First B&TC of Illinois Palatine 181 138 1.2 164 (6.6) 84.1 9.46 13.54 5.21 5.21 49.4 1.30 0.00 (606) (1.32) 5.05 155.0

First Bank of Highland Park Highland Park 1,755 1,375 13.4 1,475 0.3 93.2 10.29 11.36 2.12 1.48 19.9 0.71 0.00 2,963 0.69 2.48 66.4

First Bank of Manhattan Manhattan 160 96 (11.7) 143 (2.1) 66.9 10.68 20.74 1.24 0.72 10.6 1.59 (0.05) 295 0.73 3.45 80.3

First Community Bank & Trust Beecher 143 77 10.8 119 (6.0) 64.4 12.31 21.20 2.38 2.28 17.4 1.42 0.02 436 1.20 4.70 64.4

First Eagle Bank Chicago 506 383 (8.2) 405 (0.2) 94.4 16.80 23.10 0.26 0.02 1.4 1.96 0.01 3,317 2.62 3.98 39.8

First Midwest Bank Chicago 15,729 11,578 4.5 12,342 3.1 93.8 9.50 11.58 0.66 0.65 7.0 0.89 0.32 52,433 1.34 4.06 52.9

First National Bank of McHenry McHenry 175 42 (16.0) 150 (18.5) 27.7 9.25 24.59 0.46 0.46 5.3 - (0.03) (802) (5.52) 4.31 364.8

First Nations Bank Chicago 352 294 3.0 287 18.3 102.5 13.23 17.70 0.12 0.12 0.8 2.58 0.00 901 1.05 3.31 57.1

First Natl Bk of Brookfield Brookfield 185 131 (5.9) 150 (3.2) 87.4 11.14 18.14 2.13 2.13 16.7 1.96 (0.77) 581 1.26 3.93 58.1

First SB of Hegewisch Chicago 669 342 (4.6) 559 6.2 61.3 16.12 46.31 0.25 0.24 1.6 0.48 0.00 835 0.50 2.61 74.8

First Secure B&TC Palos Hills 150 121 19.7 123 (6.6) 97.9 10.56 14.50 0.78 0.00 6.1 1.36 (0.01) 326 0.89 3.62 65.2

First Secure Community Bank Sugar Grove 311 241 8.5 243 11.5 99.5 9.86 11.91 0.93 0.76 8.5 1.12 0.10 346 0.45 3.45 77.3

Source: S&P Global Market Intelligence, Most Recent Available Quarter 6 CHICAGO METRO BANKS (3 OF 5)

First Security Trust & SB Elmwood Park 319 144 48.9 290 4.3 49.8 8.36 17.10 1.05 0.72 11.7 1.05 0.03 764 0.94 2.33 66.2

First Trust Bank of Illinois Kankakee 238 120 (5.0) 183 (1.2) 65.9 10.68 15.41 0.95 0.74 8.5 1.05 0.00 624 1.04 3.03 59.3

FNBC Bank & Trust La Grange 518 300 (5.1) 462 (8.9) 65.0 10.22 18.27 0.87 0.43 8.1 1.03 (0.01) 1,710 1.31 3.50 70.8

Forest Park National B&TC Forest Park 246 191 (2.0) 223 27.6 85.7 8.61 11.96 0.44 0.31 4.8 1.15 0.01 647 1.10 4.72 75.9

Glenview State Bank Glenview 1,277 498 (12.8) 1,099 1.1 45.3 10.97 17.52 0.10 0.01 0.9 1.81 0.01 3,765 1.19 2.52 62.5

GN Bank Chicago 140 52 (5.0) 127 (3.2) 41.4 9.52 18.09 3.12 1.08 31.6 0.96 (0.04) (11) (0.03) 2.95 100.9

Gold Coast Bank Chicago 387 310 2.1 329 8.6 94.5 12.30 18.21 0.66 0.66 4.3 3.84 0.00 1,365 1.42 4.13 51.9

Golden Eagle Community Bank Woodstock 170 134 19.7 146 24.9 92.0 9.91 12.87 1.60 1.60 14.9 1.14 0.00 226 0.55 3.63 79.3

Grundy Bank Morris 272 173 (1.8) 239 4.4 72.5 10.05 17.80 1.00 0.18 9.5 1.26 0.01 1,613 2.41 4.27 50.9

Harvard State Bank Harvard 231 141 5.4 199 (0.3) 70.6 10.20 16.65 1.02 0.87 9.7 0.90 (0.04) 400 0.70 3.40 77.1

Heritage Bank of Schaumburg Schaumburg 147 73 23.8 127 (0.4) 57.4 8.58 23.62 0.61 0.38 7.0 1.00 0.00 418 1.15 3.24 61.8

Hinsdale Bank & Trust Co. Hinsdale 2,509 1,915 (0.7) 2,084 3.9 91.9 10.43 11.82 0.63 0.55 6.3 0.58 0.19 10,449 1.72 3.77 43.9

Home State Bank NA Crystal Lake 591 396 (1.3) 502 8.6 78.9 13.16 20.11 2.47 2.18 18.1 1.23 0.03 1,546 1.05 3.89 78.3

HomeStar Bank & Financial Svcs Manteno 381 222 (0.5) 339 7.5 65.5 7.09 13.41 1.03 0.67 11.8 1.38 0.40 (2,270) (2.40) 3.88 80.5

Hoyne Savings Bank Chicago 445 203 3.6 369 (1.7) 55.0 16.53 41.57 0.42 0.26 2.5 0.44 0.09 174 0.16 2.50 89.6

Inland Bank & Trust Oak Brook 1,093 767 (18.2) 952 (7.4) 80.6 12.38 16.03 1.47 1.03 11.2 1.31 0.01 2,104 0.77 3.34 75.5

International Bank of Chicago Chicago 622 448 (2.9) 541 (13.6) 82.7 12.30 21.38 3.09 1.69 22.6 1.57 0.28 2,008 1.28 3.73 53.7

Itasca B&TC Itasca 559 406 0.4 500 10.4 81.2 9.73 13.02 0.62 0.10 6.0 1.22 (0.03) 1,708 1.25 4.21 59.7

Lake Forest B&TC NA Lake Forest 4,076 2,916 5.9 3,354 35.5 86.9 10.01 11.83 1.02 0.93 10.2 0.92 0.08 22,015 2.29 3.94 42.0

Lakeside Bank Chicago 1,715 1,448 20.9 1,413 10.0 102.5 12.50 15.22 0.46 0.45 3.5 1.70 (0.04) 7,195 1.70 3.73 55.9

Leaders Bank Oak Brook 325 267 12.9 268 19.3 99.8 12.12 15.51 3.37 1.14 34.9 1.34 0.02 881 1.09 3.64 68.3

Lemont National Bank Lemont 52 8 0.8 48 (25.6) 15.9 6.18 21.70 0.00 0.00 0.0 0.47 0.00 44 0.33 3.47 87.3

Liberty Bank for Savings Chicago 820 456 (4.5) 616 (5.0) 74.1 23.56 57.11 0.21 0.17 0.9 0.72 0.00 762 0.37 2.52 82.5

Libertyville Bank & Trust Co. Libertyville 1,576 1,247 8.5 1,346 9.0 92.6 9.79 11.41 0.38 0.34 3.8 0.63 0.23 5,699 1.48 3.41 43.6

LincolnWay Community Bank New Lenox 210 158 14.6 183 0.4 86.4 11.99 15.66 1.93 1.75 15.0 1.35 (0.01) 675 1.30 5.07 64.6

Source: S&P Global Market Intelligence, Most Recent Available Quarter 7 CHICAGO METRO BANKS (4 OF 5)

Lisle SB Lisle 516 230 (1.7) 388 6.9 59.3 23.52 55.59 2.55 1.57 10.7 1.36 (0.25) 847 0.66 2.41 72.5

Loomis FS&LA Chicago 66 28 (13.1) 47 (9.8) 58.6 27.50 102.71 3.20 2.14 11.4 1.35 0.13 (146) (0.89) 3.04 140.9

Marquette Bank Orland Park 1,572 1,161 (4.9) 1,335 12.8 87.0 9.10 14.27 1.67 1.18 17.4 1.16 0.10 2,697 0.70 3.75 76.2

McHenry SB McHenry 226 133 8.2 173 21.8 76.9 10.25 17.07 2.46 2.31 25.0 0.77 0.18 (6) (0.01) 3.28 100.3

Merchants & Manufacturers Bank Joliet 263 242 3.4 214 5.2 113.2 8.14 10.68 0.00 0.00 0.0 1.16 (0.09) 552 0.83 4.48 75.7

Metropolitan Capital Bank & Tr Chicago 241 178 (27.4) 215 (22.0) 83.1 8.71 11.76 4.30 4.30 38.1 3.29 0.94 625 1.01 6.28 77.0

Midland FS&LA Bridgeview 115 44 (10.4) 103 1.7 42.4 9.42 34.18 1.70 1.50 17.3 0.77 0.00 6 0.02 2.80 99.1

Millennium Bank Des Plaines 129 107 42.0 108 83.8 99.5 12.51 16.32 0.42 0.42 3.4 1.10 0.00 675 2.23 4.16 66.4

Municipal Trust & SB Bourbonnais 310 189 8.3 244 11.1 77.5 17.15 33.16 2.15 1.13 12.1 1.44 0.00 1,856 2.45 3.48 35.9

Mutual Federal Bank (MHC) Chicago 72 52 (0.0) 58 1.9 89.6 18.52 21.80 5.74 5.04 29.5 1.19 2.29 (110) (0.61) 3.74 112.2

National Bank of St. Anne Saint Anne 58 47 23.1 48 (11.1) 99.3 9.96 13.12 0.15 0.15 1.5 1.05 (0.01) 138 0.94 4.43 66.6

North Shore Trust & Savings Waukegan 229 100 (3.6) 182 9.0 54.9 19.74 56.60 1.19 0.12 6.2 0.26 (0.02) 104 0.18 2.61 92.7

North Side FS&LA of Chicago Chicago 41 24 22.5 34 (11.8) 71.1 10.86 24.64 3.47 1.64 33.9 1.17 0.00 (21) (0.21) 3.78 107.5

Northbrook Bank & Trust Co. Northbrook 2,661 1,831 4.9 2,342 15.6 78.2 9.25 11.70 0.57 0.29 6.2 0.64 0.08 11,207 1.75 3.50 38.4

Northern Trust Co. Chicago 121,427 30,621 (23.0) 97,388 (30.5) 31.4 7.44 14.90 0.14 0.11 1.9 0.37 (0.01) 336,246 1.13 1.52 68.7

Northside Community Bank Gurnee 237 175 (4.1) 177 32.8 99.0 23.01 26.34 0.00 0.00 0.0 2.32 (9.21) 3,457 5.97 3.97 65.5

Oak Bank Chicago 201 141 (6.3) 163 13.9 86.5 18.56 23.68 2.24 0.56 11.9 1.50 0.04 281 0.58 3.41 75.3

Old Plank Trail Cmnty Bk NA Mokena 1,563 1,155 16.6 1,367 (5.2) 84.5 9.60 11.32 0.46 0.42 4.7 0.50 0.08 4,621 1.17 3.49 61.4

Old Second National Bank Aurora 2,611 1,905 1.1 2,132 1.1 89.4 11.54 14.47 0.90 0.84 7.3 1.01 0.03 10,090 1.54 4.06 56.8

Oxford Bank & Trust Oak Brook 576 381 11.3 492 13.3 77.5 9.39 13.61 2.41 2.15 23.6 1.04 0.03 1,549 1.10 4.09 72.3

Pacific Global Bank Chicago 216 167 9.6 191 16.5 87.3 11.15 22.47 0.55 0.55 4.6 1.51 (0.30) 648 1.23 3.94 58.5

Pan American Bank & Trust Melrose Park 371 276 (12.3) 327 17.3 84.2 9.03 12.39 1.43 1.40 15.4 0.68 0.90 533 0.59 3.59 81.7

Park Ridge Community Bank Park Ridge 312 210 (1.7) 259 (0.6) 81.1 14.03 20.90 0.29 0.19 1.9 1.90 0.00 2,029 2.61 4.42 38.9

Parkway Bank & Trust Company Harwood Heights 2,670 2,064 (12.9) 2,243 15.0 92.0 10.91 14.04 2.71 0.83 22.9 1.45 (0.02) 7,293 1.11 3.05 49.8

PeopleFirst Bank Joliet 144 105 1.7 114 32.8 92.3 11.58 15.97 0.75 0.29 5.9 1.42 (0.65) 285 0.79 3.72 72.1

Source: S&P Global Market Intelligence, Most Recent Available Quarter 8 CHICAGO METRO BANKS (5 OF 5)

Peoples Bank of Kankakee Cnty Bourbonnais 201 102 4.7 167 2.4 60.9 8.66 14.98 2.01 1.52 23.3 0.90 0.00 409 0.81 3.12 76.6

Prairie Community Bank Marengo 122 91 0.3 106 26.4 85.2 11.34 16.45 3.72 1.61 28.6 1.90 0.00 219 0.74 4.07 70.3

Providence Bank & Trust South Holland 1,068 835 235.1 932 276.6 89.6 9.44 11.60 2.45 2.17 22.5 1.20 (0.61) 15,691 5.81 4.18 47.9

Pulaski SB Chicago 46 30 (7.6) 38 (0.4) 79.5 7.83 19.48 1.65 0.00 21.2 0.41 0.00 69 0.61 2.66 79.7

Republic Bank of Chicago Oak Brook 2,082 1,463 1.4 1,809 5.4 80.9 10.40 12.97 1.40 1.22 12.7 1.48 0.00 5,739 1.14 3.78 58.7

Royal SB Chicago 405 326 (5.4) 357 10.9 91.5 9.93 16.42 0.36 0.25 3.1 0.83 0.00 1,007 1.00 3.80 61.6

Schaumburg Bank & Trust Co. NA Schaumburg 1,204 920 23.4 1,024 25.4 89.8 9.66 11.31 0.44 0.39 4.5 0.61 0.04 3,525 1.20 3.24 50.9

Signature Bank Rosemont 793 620 (3.2) 703 (43.4) 88.1 10.16 12.70 0.11 0.11 1.0 1.09 (0.05) 4,256 2.08 4.67 44.0

South Central Bank NA Chicago 296 86 (15.8) 248 14.9 34.7 9.09 18.69 0.64 0.34 7.2 1.36 0.16 352 0.49 3.05 84.7

St. Charles Bank & Trust Co. Saint Charles 1,222 918 5.4 1,031 16.0 89.0 9.76 11.23 0.99 0.98 10.4 0.49 0.10 2,770 0.94 3.40 55.9

State Bank Wonder Lake 230 143 (1.4) 199 (8.8) 71.8 10.09 16.93 2.19 2.11 21.1 0.77 0.00 74 0.13 4.09 92.1

State Bank of Geneva Geneva 79 47 5.3 72 (8.1) 65.2 9.89 16.03 1.33 0.80 12.4 2.02 0.00 34 0.17 3.80 95.9

State Bank of Herscher Herscher 141 75 (20.8) 120 (11.0) 62.7 13.04 20.94 1.51 1.16 10.5 2.55 0.00 863 2.39 3.62 61.3

State Bank of the Lakes Antioch 1,216 889 (2.1) 1,019 (4.0) 87.3 9.49 11.35 0.45 0.34 4.8 0.45 0.19 3,501 1.15 3.40 54.9

STC Capital Bank Saint Charles 277 205 (18.2) 246 (2.0) 83.4 11.29 15.23 1.80 1.79 15.3 1.26 (0.01) 510 0.76 3.91 80.9

Town Center Bank New Lenox 102 73 (6.8) 87 (12.2) 84.0 10.79 13.76 0.90 0.59 7.2 1.19 0.08 76 0.30 3.74 92.1

Union National Bank Elgin 301 262 (1.1) 263 13.6 99.5 12.18 17.87 1.00 1.00 7.4 1.35 (0.01) 677 0.89 2.86 55.1

United Trust Bank Palos Heights 26 17 17.9 21 (11.1) 84.9 13.78 20.71 7.07 7.07 47.6 1.64 0.00 (365) (5.66) 3.94 265.9

Village Bank & Trust Arlington Heights 1,561 1,242 3.5 1,338 6.2 92.8 9.45 11.50 0.33 0.23 3.3 0.85 (0.03) 5,681 1.45 3.53 43.0

West Suburban Bank Lombard 2,304 1,190 (8.1) 2,072 9.0 57.5 9.67 15.81 1.83 1.18 18.2 1.30 (0.04) 4,840 0.85 3.56 69.5

West Town Bank & Trust North Riverside 256 208 (9.0) 200 6.2 103.8 12.19 16.57 2.94 2.66 21.4 1.51 0.10 644 0.97 4.68 75.1

Wheaton B&TC Wheaton 1,780 1,276 5.4 1,475 4.1 86.5 9.75 11.45 0.85 0.77 8.9 0.53 0.10 6,038 1.39 3.54 42.7

Wheaton College Trust Co. NA Wheaton 4 - NA - NA NA 95.03 NM 0.00 0.00 0.0 NA NA 26 2.89 2.62 88.2

Wintrust Bank Chicago 5,931 4,776 5.1 5,192 2.4 92.0 10.03 11.42 0.51 0.32 5.0 0.82 0.02 26,398 1.83 3.70 49.1

Average 3,038 1,651 3.9 2,416 6.8 80.0 13.7 26.1 1.4 1.0 12.0 1.17 (0.03) 8,446 0.96 3.67 73.2 Median 310 209 0.3 261 3.6 84.2 10.5 16.0 1.0 0.7 9.2 1.15 0.00 676 0.94 3.63 69.9

Source: S&P Global Market Intelligence, Most Recent Available Quarter 9 CHAMPAIGN BANKS (1 OF 3)

Anchor State Bank Anchor $15 $8 (10.0) % $13 (17.2) % 62.9 % 12.09 % 19.31 % 0.00 % 0.00 % 0.0 % 0.84 % 0.00 % $30 0.77 % 3.90 % 72.9 %

Arcola First Bank Arcola 109 18 (22.0) 92 (7.8) 19.5 11.34 29.19 0.00 0.00 0.0 3.69 0.00 128 0.47 2.13 82.3

Bank of Gibson City Gibson City 83 53 (8.8) 66 16.1 80.5 8.48 13.06 0.89 0.39 9.8 0.90 0.03 228 1.11 3.47 54.1

Bank of Pontiac Pontiac 532 416 (0.7) 452 (14.8) 92.0 13.44 19.63 1.30 0.75 9.4 1.04 0.47 1,661 1.24 3.79 50.9

Bank of Rantoul Rantoul 230 106 (35.7) 196 2.3 54.1 10.45 18.14 2.31 1.77 19.7 2.00 (0.06) 1,199 2.09 3.81 42.7

BankChampaign NA Champaign 228 176 (2.8) 188 6.7 93.5 10.14 14.44 1.08 1.08 9.8 1.42 (0.01) 666 1.17 3.79 72.6

Buckley State Bank Buckley 43 23 (39.5) 37 (2.8) 62.1 11.67 20.65 0.00 0.00 0.0 0.83 0.00 114 1.04 3.12 60.7

Busey Bank Champaign 7,726 5,657 4.5 6,331 0.5 89.4 11.25 14.49 0.59 0.44 5.2 0.90 0.14 26,708 1.39 3.50 52.6

Campus State Bank Campus 21 14 (8.2) 19 7.3 75.1 11.24 18.23 0.37 0.37 3.1 0.92 0.00 61 1.15 3.64 70.9

Catlin Bank Catlin 58 39 5.0 51 16.6 76.8 10.36 16.42 1.13 0.55 10.5 0.81 0.02 112 0.78 4.09 78.1

CIBM Bank Champaign 697 493 (1.8) 547 4.5 90.2 9.75 14.69 1.43 1.17 10.8 1.59 (0.06) 592 0.33 2.87 89.4

Citizens Bank of Chatsworth Chatsworth 31 20 16.3 27 (7.1) 72.9 12.25 16.47 4.00 2.91 33.2 0.77 0.00 (113) (1.41) 4.35 112.1

Citizens State Bank of Milford Milford 43 22 (45.3) 39 (27.1) 58.0 9.28 14.87 2.62 2.62 25.6 0.47 0.00 59 0.52 3.80 86.3

Community Banks of Shelby Cnty Cowden 50 25 (5.2) 44 (1.8) 56.2 11.08 22.59 0.17 0.17 1.4 1.07 (0.03) 86 0.68 2.98 78.5

COUNTRY Trust Bank Bloomington 29 - NA 1 2.5 0.0 102.61 139.23 0.00 0.00 0.0 NA NA 583 9.28 3.12 94.3

Dewey Bank Dewey 22 10 (8.0) 19 (23.1) 55.9 8.56 13.49 3.60 3.60 40.2 0.36 0.00 20 0.36 3.85 91.2

DeWitt SB Clinton 113 65 35.8 94 12.6 69.2 12.92 24.30 0.41 0.35 3.2 0.46 0.13 145 0.52 3.21 81.5

Farmers State Bank of Danforth Danforth 60 32 (7.3) 52 5.4 62.8 12.97 20.95 0.49 0.12 3.8 0.86 0.00 120 0.81 3.53 68.6

Federated Bank Onarga 85 32 (4.3) 74 (12.6) 42.9 9.30 20.47 0.35 0.35 3.7 1.03 0.03 3 0.01 3.41 92.7

First FS&LA of Central IL S.B. Shelbyville 126 94 3.7 110 23.0 85.8 11.59 16.66 1.19 0.94 9.8 1.12 0.01 283 0.92 3.99 70.0

First FSB of Champaign-Urbana Champaign 174 101 4.0 153 15.4 66.4 10.19 22.25 0.84 0.78 8.0 0.93 0.02 598 1.40 3.81 68.1

First Mid Bank & Trust NA Mattoon 3,472 2,365 (4.6) 2,801 12.8 84.4 9.84 13.35 0.79 0.73 7.8 1.13 0.07 9,887 1.15 3.59 55.8

First National B&TC Clinton 187 22 12.7 168 39.4 13.2 8.19 15.80 0.04 0.04 0.5 0.16 (0.02) 337 0.75 3.03 80.6

First National Bank Mattoon 93 53 (2.8) 80 10.2 66.4 8.76 12.62 1.08 0.96 12.4 1.03 0.00 149 0.65 3.13 82.0

First Neighbor Bank NA Toledo 421 319 10.4 342 4.6 93.3 11.19 14.07 0.72 0.62 6.0 1.01 0.05 1,053 1.01 3.61 65.6

Source: S&P Global Market Intelligence, Most Recent Available Quarter 10 CHAMPAIGN BANKS (2 OF 3)

First SB Danville 35 11 5.8 25 15.1 44.3 27.07 74.62 0.19 0.19 0.7 0.68 0.00 (24) (0.28) 2.35 110.4

First State Bank Monticello 266 137 (31.3) 241 4.6 56.8 8.05 13.43 1.62 1.41 19.6 0.61 (0.02) 752 1.13 3.55 71.1

First State Bank of Forrest Forrest 218 179 4.6 178 9.7 100.2 8.90 13.14 2.19 2.18 23.0 0.87 0.08 475 0.89 2.83 68.1

First State Bk of Bloomington Bloomington 117 83 10.0 106 6.7 78.3 9.24 15.11 2.11 2.09 21.4 1.41 0.00 346 1.21 3.99 74.7

First Trust & SB of Watseka Watseka 247 112 (23.1) 207 (5.4) 54.1 15.84 30.09 0.60 0.07 3.7 1.45 0.38 880 1.43 3.00 45.6

Fisher National Bank Fisher 126 99 (9.9) 106 13.7 93.2 12.95 20.72 1.05 0.20 7.6 1.09 0.04 523 1.67 3.87 59.8

Flanagan State Bank Flanagan 189 112 (3.0) 164 2.6 68.3 9.71 15.70 1.25 0.97 13.0 0.74 0.00 469 1.00 3.45 88.7

Frederick Community Bank Cissna Park 141 63 (27.2) 127 (13.0) 50.1 9.88 18.55 0.07 0.07 0.7 0.97 0.00 523 1.45 3.10 60.2

Frst Cmnty Bk of Moultrie Cnty Sullivan 86 52 (22.2) 77 5.5 67.4 10.25 18.85 0.54 0.54 5.0 1.36 0.03 251 1.17 3.76 69.4

Gerber State Bank Argenta 77 34 (33.1) 68 2.7 49.8 11.97 24.66 3.58 0.89 29.5 1.16 0.07 162 0.83 3.02 70.0

Gifford State Bank Gifford 154 126 (16.4) 133 1.6 95.1 10.07 13.42 3.48 3.21 30.4 1.66 2.55 257 0.66 4.02 65.6

Heartland B&TC Bloomington 2,902 2,049 7.9 2,506 10.6 81.8 10.49 13.66 0.91 0.89 8.3 0.95 0.04 19,420 2.71 4.83 47.8

Hickory Point Bank & Trust Decatur 635 409 0.8 560 (8.3) 73.2 10.45 14.74 0.24 0.07 2.2 1.11 (0.02) 1,772 1.12 3.46 65.3

Iroquois Farmers State Bank Iroquois 112 62 (21.9) 101 14.5 61.7 9.33 14.78 0.42 0.42 4.4 0.56 0.23 284 1.02 3.39 64.2

Iroquois FS&LA Watseka 663 499 (1.3) 523 20.3 95.3 11.09 15.93 0.57 0.39 4.8 1.28 0.00 826 0.49 2.72 77.2

Longview Bank Ogden 193 154 4.5 170 0.6 90.7 9.48 13.49 2.15 1.71 20.8 0.92 0.07 485 1.00 3.68 57.1

Longview Bank & Trust Chrisman 177 126 2.0 158 10.2 79.9 8.20 11.92 1.26 0.97 14.5 0.87 0.05 472 1.07 3.52 57.5

Milford Building & Ln Assn SB Milford 30 21 (3.8) 28 12.5 77.9 8.73 18.43 2.34 2.34 25.3 0.85 0.00 27 0.36 2.42 74.6

Peoples Bank of Macon Macon 22 8 (18.8) 18 32.7 44.1 13.82 31.40 0.00 0.00 0.0 1.01 0.00 37 0.71 2.85 69.7

Peoples State Bank of Colfax Colfax 33 21 (4.8) 28 (0.0) 72.1 12.42 20.63 0.00 0.00 0.0 0.50 0.00 111 1.33 4.17 57.6

Source: S&P Global Market Intelligence, Most Recent Available Quarter 11 CHAMPAIGN BANKS (3 OF 3)

Philo Exchange Bank Philo 99 59 (25.2) 87 22.4 67.9 10.83 17.10 0.42 0.22 3.8 1.24 0.00 317 1.31 3.44 62.3

Preferred Bank Casey 59 40 (8.2) 53 5.9 75.2 9.50 14.49 0.92 0.92 8.9 1.44 0.01 40 0.27 3.11 94.6

Prospect Bank Paris 521 280 (0.5) 436 10.8 64.3 9.23 15.40 0.65 0.38 6.8 0.84 (0.08) 1,127 0.86 2.74 71.2

Scott State Bank Bethany 163 78 (17.5) 138 1.9 56.6 14.95 26.64 0.12 0.12 0.8 1.13 (0.21) 351 0.86 3.42 77.0

Shelby County State Bank Shelbyville 249 200 (3.7) 209 (4.0) 95.6 9.86 13.78 0.07 0.07 0.6 0.83 0.02 804 1.27 3.54 65.4

State Bank of Bement Bement 106 67 (24.2) 79 4.7 84.3 11.54 16.18 0.69 0.69 5.7 0.82 0.01 104 0.39 3.51 86.5

State Bank of Cerro Gordo Cerro Gordo 29 13 (36.1) 25 (16.4) 51.2 12.87 23.89 0.03 0.03 0.2 0.68 0.00 49 0.68 3.45 78.0

State Bank of Graymont Graymont 203 138 (8.8) 177 3.1 77.6 12.10 16.32 0.58 0.29 4.6 0.74 (0.01) 528 1.04 3.08 64.9

State Bank of Saunemin Saunemin 36 21 (0.2) 32 (1.9) 66.9 11.42 15.69 0.00 0.00 0.0 1.32 0.00 82 0.92 3.05 69.4

State Farm Bank FSB Bloomington 16,397 10,440 (15.8) 10,585 14.8 98.6 10.99 18.90 1.33 0.71 10.9 1.52 1.19 4,731 0.11 2.87 73.7

TNB Bank Tuscola 83 55 26.0 70 (3.3) 78.6 13.43 19.86 0.04 0.04 0.3 1.54 0.00 101 0.49 3.46 82.9

Vermilion Valley Bank Piper City 125 97 (8.0) 100 5.7 97.1 17.07 23.22 0.06 0.06 0.3 1.16 (0.01) 715 2.32 3.73 39.6

Villa Grove State Bank Villa Grove 72 49 (11.8) 63 15.4 77.5 11.54 22.81 0.08 0.01 0.6 1.55 0.02 249 1.38 3.68 60.4

Average 676 449 (7.5) 510 4.5 69.8 12.8 21.1 0.9 0.7 8.8 1.06 0.09 1,413 1.05 3.42 71.3 Median 115 64 (4.8) 100 4.7 72.5 10.9 16.6 0.6 0.4 5.5 0.97 0.00 301 0.96 3.47 70.0

Source: S&P Global Market Intelligence, Most Recent Available Quarter 12 MARION BANKS (1 OF 2)

Anna State Bank Anna $82 $35 3.6 % $69 29.4 % 51.3 % 16.19 % 36.27 % 0.71 % 0.56 % 4.5 % 0.90 % (0.01) % $199 1.01 % 3.13 % 61.9 %

Anna-Jonesboro National Bank Anna 219 113 (4.8) 188 (8.6) 60.4 14.14 28.67 2.71 2.71 18.5 1.33 (0.37) 573 1.05 3.77 63.1

Bank of Carbondale Carbondale 227 144 (0.5) 196 (19.4) 73.8 13.11 20.98 3.96 3.51 27.9 1.52 0.17 714 1.23 3.59 52.7

Bank of Herrin Herrin 247 177 (2.3) 222 5.2 79.7 10.27 14.44 1.64 1.27 15.2 1.02 0.10 889 1.45 4.07 62.8

Banterra Bank Eldorado 1,798 1,358 3.5 1,582 10.2 85.9 8.56 10.76 0.39 0.37 4.1 1.00 0.05 6,651 1.48 3.45 57.3

Citizens National Bk of Albion Albion 322 230 (11.5) 248 (5.2) 92.8 16.41 23.63 2.03 0.83 11.7 1.35 0.15 887 1.10 3.25 54.5

City National Bk of Metropolis Metropolis 382 173 2.2 303 (2.3) 57.3 13.41 29.57 1.21 1.21 8.8 1.47 0.39 675 0.71 2.63 64.5

Clay City Banking Co. Clay City 143 110 (13.3) 128 11.9 86.4 9.97 13.98 2.45 2.45 23.4 0.82 0.05 178 0.50 3.71 83.8

Clay County State Bank Louisville 77 51 (7.9) 65 (0.0) 78.9 15.41 24.21 2.28 1.05 14.7 1.06 0.05 251 1.32 3.51 63.0

Cmnty Frst Bk of the Heartland Mount Vernon 201 165 11.1 182 20.6 91.0 8.46 11.15 0.94 0.94 10.4 1.01 (0.05) 987 2.01 4.44 56.0

Community Partners SB Salem 203 151 (3.0) 170 4.8 89.0 10.87 16.85 1.19 1.19 10.5 0.62 0.10 284 0.56 4.21 77.4

Crossroads Bank Effingham 172 124 (1.5) 144 14.3 85.8 14.08 17.65 0.01 0.01 0.1 0.89 (0.01) 498 1.17 2.93 50.3

Dieterich Bank Dieterich 668 481 4.7 562 9.7 85.5 9.28 12.15 1.13 0.81 11.2 1.25 0.00 1,539 0.93 3.16 63.7

Du Quoin State Bank Du Quoin 106 32 (21.4) 83 (3.1) 38.9 9.49 24.57 0.20 0.13 1.6 1.79 (0.08) 292 1.12 3.53 70.4

Fairfield National Bank Fairfield 571 346 (7.4) 360 8.8 96.1 11.29 21.73 0.41 0.41 3.8 0.42 0.41 1,478 1.04 2.57 47.3

Farmers & Merchants Bank Hutsonville 45 26 (2.1) 37 30.2 69.0 18.31 31.72 0.00 0.00 0.0 0.33 0.00 184 1.70 3.12 45.7

Farmers State Bk of Alto Pass Harrisburg 234 187 11.8 213 20.4 87.6 8.51 10.84 2.46 1.61 27.6 0.56 0.00 354 0.61 4.38 87.3

First B&TC of Murphysboro Murphysboro 81 48 (10.5) 72 4.3 66.6 8.79 25.41 4.18 3.13 45.6 1.10 0.41 (15) (0.07) 3.42 99.9

First Community Bk Xenia-Flora Xenia 42 23 (31.5) 34 (0.5) 68.4 11.47 22.22 1.10 1.07 9.1 0.80 0.03 158 1.48 3.43 58.4

First National Bank Vandalia 342 199 (0.6) 287 2.9 69.2 12.71 19.95 0.60 0.55 4.6 1.00 0.00 1,144 1.35 3.67 59.4

First National Bank in Olney Olney 335 225 (0.9) 289 6.6 77.9 11.60 17.91 0.58 0.49 4.9 1.08 0.06 974 1.18 3.41 59.1

First National Bank of Ava Ava 63 33 (23.2) 54 5.0 61.6 13.46 22.62 2.32 1.40 16.1 1.59 0.35 209 1.33 4.41 60.7

First National Bank of Carmi Carmi 422 267 (21.3) 380 16.9 70.4 9.18 14.30 0.72 0.25 7.4 1.43 (0.44) 1,055 1.02 3.74 67.8

First National Bk of Allendale Allendale 235 159 (0.2) 200 3.5 79.3 10.78 16.14 0.88 0.56 7.7 1.04 0.11 574 0.99 3.58 59.7

First National Bk of Sandoval Sandoval 51 35 8.3 44 12.6 79.4 12.05 18.86 0.62 0.62 4.8 1.45 (0.09) 172 1.38 4.41 63.6

First Natl Bk in Pinckneyville Pinckneyville 102 42 6.8 79 (4.1) 52.7 14.81 31.20 0.56 0.52 3.7 0.73 0.00 339 1.35 3.76 63.1

First Natl Bk of Brownstown Brownstown 38 19 (27.6) 34 (2.4) 56.6 11.04 23.17 1.08 1.08 8.9 1.97 0.10 82 0.85 3.33 70.1

First Robinson Savings Bank NA Robinson 336 198 (6.4) 282 15.4 70.1 9.36 16.08 1.02 0.89 10.8 1.00 0.46 542 0.67 3.51 74.1

First Southern Bank Marion 680 466 (1.2) 527 14.2 88.4 12.95 18.68 1.04 0.97 8.1 0.73 0.17 2,112 1.26 3.81 55.8

First State Bank of Dongola Dongola 25 15 (5.2) 22 3.8 69.8 11.05 21.85 2.82 1.60 24.1 1.14 (0.05) 70 1.14 4.50 76.0

Source: S&P Global Market Intelligence, Most Recent Available Quarter 13 MARION BANKS (2 OF 2)

First State Bank of Olmsted Olmsted 50 35 (5.0) 43 (16.2) 79.8 12.66 21.33 1.64 1.64 12.1 0.96 0.00 107 0.83 3.82 71.2

First State Bank of St. Peter Saint Peter 28 9 (19.2) 23 (42.2) 40.1 16.16 37.42 0.02 0.02 0.1 1.07 (0.04) 111 1.47 3.64 50.2

First State Bk of Beecher City Beecher City 75 57 (8.0) 62 13.5 92.2 17.51 23.95 1.71 1.55 9.1 2.12 (0.13) 388 2.10 4.31 53.5

Flora Bank & Trust Flora 69 46 (1.5) 61 (3.7) 76.4 11.98 19.16 0.82 0.29 6.6 0.44 (0.25) 95 0.55 3.76 81.6

Frst State Bk of Campbell Hill Campbell Hill 114 76 (0.7) 100 12.3 76.4 11.06 19.60 1.32 1.19 11.4 0.97 0.01 301 1.07 3.76 63.5

Grand Rivers Community Bank Grand Chain 33 22 (66.3) 29 (37.0) 73.2 5.27 9.06 6.77 6.27 77.1 2.38 2.49 (124) (1.44) 3.73 138.0

Heritage State Bank Lawrenceville 92 74 (42.5) 82 (3.3) 90.4 10.23 12.87 5.54 5.54 43.9 2.89 7.79 (1,845) (8.01) 4.08 56.3

Iuka State Bank Salem 96 78 0.4 82 25.6 94.8 9.55 12.55 1.45 1.45 13.7 1.18 (0.02) 267 1.11 4.24 65.6

Kinmundy Bank Kinmundy 48 36 (18.2) 41 (2.1) 86.3 10.05 16.72 0.55 0.55 5.1 1.13 0.23 218 1.78 4.73 40.4

Legence Bank Eldorado 481 318 5.7 423 21.9 75.2 9.17 13.15 0.63 0.27 6.4 0.83 0.06 1,400 1.20 5.31 74.7

Midland States Bank Effingham 5,632 4,109 (5.7) 4,060 (3.5) 101.2 10.49 13.06 0.94 0.89 8.9 0.56 0.10 15,570 1.11 3.86 60.4

Murphy-Wall State B&TC Pinckneyville 124 73 (3.3) 109 19.3 67.2 11.63 20.40 1.18 1.18 10.0 1.15 0.02 149 0.49 3.95 81.4

Peoples National Bank N.A. Mount Vernon 1,208 1,045 (8.1) 1,052 (10.4) 99.3 9.47 11.43 1.70 1.68 16.5 1.12 0.00 3,557 1.19 4.06 70.4

Peoples State Bk of Newton IL Newton 454 307 (9.3) 396 16.8 77.5 9.76 13.44 0.87 0.61 8.4 1.08 0.23 1,364 1.22 3.56 53.6

Sainte Marie State Bank Sainte Marie 19 15 (2.4) 15 (11.7) 98.2 20.67 24.50 0.17 0.17 0.7 3.15 0.00 (23) (0.47) 2.58 120.2

South Porte Bank Marion 103 78 (9.8) 83 (0.5) 93.4 8.89 13.93 0.76 0.76 8.0 1.00 (0.02) 206 0.79 3.06 65.2

Southern Illinois Bank Johnston City 111 68 16.5 97 15.1 70.2 12.92 19.66 0.99 0.99 7.7 0.85 (0.01) 263 0.99 3.52 61.8

SouthernTrust Bank Goreville 59 28 10.7 53 19.3 52.1 9.65 20.57 1.82 1.75 19.0 1.38 (0.12) 69 0.49 3.90 81.1

State Bank of Whittington Benton 131 75 1.7 116 10.7 64.2 10.80 16.68 0.36 0.36 3.3 1.10 0.23 404 1.25 4.26 68.1

Teutopolis State Bank Teutopolis 235 142 3.1 203 (4.2) 70.0 13.58 21.21 0.00 0.00 0.0 1.02 0.00 864 1.48 3.27 43.7

Texico State Bank Texico 8 3 7.2 7 (10.7) 49.5 9.08 20.95 0.53 0.53 5.5 1.36 0.00 6 0.31 3.76 92.0

TrustBank Olney 314 182 (11.2) 284 155.9 63.9 10.38 14.44 0.63 0.63 7.4 1.37 (0.10) 1,045 1.78 4.10 66.4

Wabash SB Mount Carmel 9 4 (10.7) 8 (1.8) 54.8 13.19 31.56 3.26 3.26 24.2 0.89 0.92 (25) (1.11) 3.18 126.4

Washington SB Effingham 376 249 (5.8) 302 13.0 82.5 16.99 26.81 0.39 0.34 2.3 0.75 0.00 482 0.52 2.63 77.0

Average 339 236 (6.2) 274 7.1 75.0 11.82 19.85 1.39 1.19 12.17 1.17 0.25 906 0.81 3.69 68.4 Median 128 78 (3.1) 113 4.9 76.4 11.06 19.63 1.00 0.89 8.85 1.07 0.01 320 1.11 3.72 63.5

Source: S&P Global Market Intelligence, Most Recent Available Quarter 14 EDWARDSVILLE BANKS (1 OF 3)

B&TC Litchfield $332 $233 (2.2) % $283 15.3 % 82.3 % 10.54 % 15.31 % 0.70 % 0.15 % 6.2 % 1.60 % 0.00 % $731 0.90 % 3.51 % 67.6 %

Bank of Belleville Belleville 209 151 (1.2) 177 7.3 85.4 8.14 11.78 0.00 0.00 0.0 0.94 0.00 311 0.60 2.83 72.8

Bank of Bluffs Bluffs 55 36 1.3 47 (15.1) 75.5 14.76 24.53 0.80 0.80 5.2 1.15 0.13 76 0.54 3.94 80.7

Bank of Calhoun County Hardin 66 35 (6.2) 59 (7.1) 60.0 9.20 18.45 1.45 0.84 14.0 0.75 0.00 104 0.63 3.13 74.4

Bank of Edwardsville Edwardsville 1,811 878 (10.6) 1,466 (2.4) 59.9 11.10 16.78 0.19 0.19 1.9 0.01 (0.04) 3,623 1.24 3.45 54.4

Bank of Hillsboro NA Hillsboro 356 242 (3.3) 316 19.9 76.7 11.12 15.44 1.71 0.30 14.1 1.74 (0.04) 742 0.85 3.34 65.9

Bank of Kampsville Kampsville 107 51 0.9 88 (0.2) 58.3 17.52 29.65 0.43 0.43 2.4 0.73 (0.17) 239 0.90 3.11 65.4

Bank of O'Fallon O'Fallon 312 239 4.0 267 (9.6) 89.4 14.33 24.52 0.27 0.27 1.8 1.69 0.00 1,217 1.59 2.92 44.0

Bank of Springfield Springfield 1,008 838 (11.0) 838 (0.4) 99.9 9.15 11.14 4.29 3.57 43.5 0.92 0.00 1,633 0.65 3.82 76.2

Best Hometown Bank Collinsville 111 87 1.8 93 8.2 93.5 10.55 17.71 0.25 0.18 2.3 1.34 0.16 (106) (0.38) 2.42 115.9

Bradford NB of Greenville Greenville 300 136 (31.0) 260 1.7 52.2 11.33 18.90 1.59 1.46 12.3 1.74 0.08 948 1.30 3.53 64.2

Buena Vista National Bank Chester 201 111 (5.2) 169 12.7 65.6 12.25 18.02 0.68 0.48 5.4 1.03 0.00 490 0.98 4.13 71.6

Carrollton Bank Carrollton 1,729 1,445 (1.6) 1,513 27.1 95.6 8.50 10.98 0.19 0.12 2.0 1.46 0.02 3,949 0.94 3.21 72.6

Chester National Bank Chester 72 45 11.4 59 (39.0) 77.2 11.98 22.32 0.00 0.00 0.0 0.93 0.02 51 0.29 3.03 88.3

Chesterfield State Bank Chesterfield 18 12 (12.4) 16 (15.1) 76.2 10.78 21.29 1.42 1.42 12.4 1.02 (0.07) 7 0.16 3.56 95.7

Citizens Bank of Edinburg Edinburg 24 12 (38.1) 22 (8.1) 56.8 9.45 18.08 0.85 0.85 8.3 1.03 0.00 71 1.14 3.78 57.7

Citizens Community Bank Mascoutah 395 232 0.4 331 (13.7) 70.0 11.49 18.50 1.15 0.95 9.5 1.54 0.18 1,058 1.08 2.85 49.7

CNB Bank & Trust N.A. Carlinville 1,315 936 94.8 1,133 126.1 82.6 7.95 12.02 1.65 1.56 19.0 1.17 0.09 3,052 0.92 3.44 62.7

Collinsville Building Ln Assn Collinsville 118 84 5.6 85 3.2 99.0 27.84 76.58 0.05 0.05 0.2 0.88 0.00 79 0.27 2.47 86.2

Columbia National Bank Columbia 48 28 (17.4) 41 0.1 66.6 12.88 22.96 0.88 0.88 6.6 1.31 0.01 99 0.84 3.49 75.5

Community Bank of Trenton Trenton 83 61 14.3 68 (1.3) 90.1 12.28 18.44 3.07 1.58 23.4 1.48 (0.02) 234 1.13 3.31 66.6

Community Trust Bank Irvington 80 38 (20.1) 67 (35.3) 56.8 13.55 25.83 3.30 2.69 21.9 2.49 (0.01) 152 0.74 3.70 76.3

Farmers & Merchants Natl Bk Nashville 180 119 (8.4) 158 13.8 75.1 12.68 18.92 0.54 0.19 4.3 0.83 0.00 583 1.34 3.88 65.8

Farmers Natl Bk of Griggsville Griggsville 89 73 (13.9) 79 (3.8) 92.8 11.01 14.92 1.93 1.93 16.0 1.35 0.14 365 1.64 4.36 60.2

Farmers State B&TC Jacksonville 200 109 (6.3) 170 (1.2) 64.2 11.89 20.27 1.80 1.74 13.9 1.83 0.05 347 0.69 3.67 77.2

Source: S&P Global Market Intelligence, Most Recent Available Quarter 15 EDWARDSVILLE BANKS (2 OF 3)

Farmers State Bank Pittsfield 253 184 (15.5) 218 (0.6) 84.3 13.25 16.96 0.19 0.10 1.4 0.95 0.02 937 1.48 3.75 64.2

Farmers State Bank of Hoffman Hoffman 148 64 (11.3) 123 12.6 52.6 15.80 31.02 0.49 0.33 3.0 1.08 (0.01) 264 0.72 3.18 72.3

Farmers State Bank of Medora Medora 19 7 1.5 16 (11.8) 42.8 17.53 31.55 1.18 1.18 6.8 0.59 0.58 6 0.13 3.52 87.5

FCB Banks Collinsville 1,634 1,275 7.8 1,344 25.5 94.9 8.59 14.51 1.03 0.64 11.4 0.86 0.03 3,492 0.88 2.69 62.6

First Cmnty Bank of Hillsboro Hillsboro 106 64 (12.3) 88 10.1 73.2 9.39 15.61 0.51 0.33 5.6 0.92 (0.04) 328 1.29 3.24 61.5

First FSB of Mascoutah Mascoutah 106 66 5.2 93 11.7 71.5 12.99 25.25 0.28 0.28 2.2 0.76 0.16 105 0.40 2.43 78.4

First National Bank in Carlyle Carlyle 191 113 8.3 150 4.2 75.4 11.35 18.36 0.35 0.35 3.2 0.99 0.00 375 0.79 3.13 63.5

First National Bank Litchfield Litchfield 103 83 0.5 82 (3.1) 101.5 11.87 15.96 0.07 0.07 0.5 1.46 0.00 376 1.43 3.72 63.0

First National Bank of Nokomis Nokomis 150 88 (2.1) 131 16.9 67.0 11.82 18.56 0.77 0.36 6.5 0.89 (0.01) 433 1.16 3.65 69.6

First National Bank of Pana Pana 183 136 0.7 161 22.0 84.4 11.74 16.65 0.85 0.37 6.9 1.33 (0.20) 679 1.50 3.64 58.9

First National Bank of Raymond Raymond 148 89 2.0 132 3.9 67.4 11.34 17.05 1.20 1.20 10.7 0.77 0.05 322 0.87 3.43 71.7

First National Bank of Sparta Sparta 80 39 0.7 65 0.2 60.2 13.14 27.88 0.40 0.20 2.9 1.38 0.03 326 1.63 3.95 62.8

First National Bk in Staunton Staunton 543 353 0.8 439 6.5 80.5 11.53 16.75 0.46 0.39 3.7 1.67 (0.03) 1,728 1.29 3.21 63.6

First National Bk of Waterloo Waterloo 480 263 4.0 403 (2.8) 65.3 10.51 16.64 1.12 0.65 9.9 1.24 (0.08) 1,121 0.93 3.21 65.2

First Natl Bk in Taylorville Taylorville 193 77 (23.6) 158 (1.5) 49.0 17.34 35.96 0.30 0.30 1.7 1.25 (0.01) 851 1.74 3.27 48.4

First Natl Bk of Steeleville Steeleville 199 91 (23.0) 165 44.1 55.1 14.93 28.09 0.66 0.38 4.3 1.33 (0.01) 577 1.18 3.37 69.1

First NB of Assumption Assumption 21 6 (29.9) 19 13.9 32.0 10.06 27.49 0.00 0.00 0.0 1.53 0.00 46 0.86 3.07 71.4

First NB of Okawville Okawville 68 23 (22.6) 60 9.8 39.1 11.60 21.94 0.00 0.00 0.0 0.80 0.00 142 0.87 3.00 69.7

Germantown Trust & Savings Bk Breese 384 211 2.5 304 7.1 69.3 13.25 23.77 0.18 0.18 1.3 0.66 0.00 1,831 1.92 2.92 35.4

Great Rivers Bank Barry 115 88 54.8 100 44.5 88.1 12.82 15.42 1.25 1.25 9.8 1.05 0.02 135 0.49 3.89 81.5

Guardian SB Granite City 40 13 33.5 28 4.0 45.8 19.73 86.87 0.50 0.17 2.6 0.30 (0.03) (14) (0.14) 2.19 108.0

Illinois National Bank Springfield 1,002 729 11.1 902 46.3 80.8 9.55 13.15 0.94 0.94 9.2 1.29 0.00 2,156 0.87 3.40 79.2

Jersey State Bank Jerseyville 146 57 (13.4) 123 (2.1) 46.2 14.15 27.04 0.50 0.48 3.4 1.29 0.00 321 0.89 3.07 70.1

Litchfield National Bank Litchfield 106 64 (1.4) 96 18.7 66.1 8.77 14.62 0.86 0.86 9.6 0.84 0.38 176 0.68 3.60 76.9

Marine Bank Springfield 663 510 7.8 573 10.2 89.0 10.87 13.34 1.98 1.52 17.2 1.12 0.02 2,047 1.26 3.46 70.3

Source: S&P Global Market Intelligence, Most Recent Available Quarter 16 EDWARDSVILLE BANKS (3 OF 3)

Midland Community Bank Kincaid 58 41 9.6 52 32.0 79.3 11.81 16.42 0.27 0.27 2.4 0.62 0.02 168 1.22 3.47 58.9

Nashville SB Nashville 62 47 8.1 54 (2.8) 87.0 12.77 19.41 0.00 0.00 0.0 0.99 0.00 156 1.01 3.20 58.0

Nokomis SB Nokomis 28 18 (2.4) 19 23.1 94.7 17.99 78.89 0.01 0.01 0.1 0.42 0.25 8 0.12 2.24 89.6

North County SB Red Bud 54 27 (2.5) 49 15.7 55.1 8.85 24.34 0.00 0.00 0.0 0.48 0.00 57 0.43 2.56 81.4

Oakdale State Bank Oakdale 21 15 (11.9) 18 (2.3) 84.1 11.77 17.56 0.68 0.68 5.5 1.07 0.00 64 1.24 4.74 61.8

Old Exchange Natl Bk Okawville Okawville 65 33 (32.8) 57 (38.6) 56.9 11.58 22.07 0.15 0.15 1.3 1.13 0.19 248 1.48 3.27 54.0

Peoples Bank & Trust Pana 400 302 (20.2) 350 (26.4) 86.1 9.20 12.72 2.06 2.06 19.9 1.32 0.00 1,781 1.76 4.54 49.9

Prairie State Bank & Trust Springfield 713 517 (7.2) 628 10.1 82.3 11.07 16.17 0.59 0.59 5.0 0.99 0.03 2,185 1.24 3.68 67.9

Rochester State Bank Rochester 94 18 (13.1) 85 4.2 21.1 10.69 20.92 0.22 0.07 2.2 1.56 0.04 121 0.52 3.08 77.9

Security Bank s.b. Springfield 169 96 (9.1) 153 62.6 62.5 9.16 18.46 2.38 2.38 24.4 0.93 0.37 372 0.93 3.43 74.2

Security National Bank Witt 80 51 (0.2) 67 7.2 76.5 10.97 17.17 1.47 0.36 12.8 1.30 0.85 108 0.56 3.76 74.5

State Bank of St. Jacob Saint Jacob 66 27 (16.7) 56 14.2 48.4 16.28 33.00 0.33 0.29 2.0 2.54 (0.06) 298 1.87 3.24 42.7

State Bank of Waterloo Waterloo 174 117 (4.0) 131 2.2 89.6 9.44 13.14 1.15 0.19 11.6 1.57 0.01 196 0.47 3.30 83.9

Tempo Bank Trenton 97 86 0.1 75 11.8 114.6 11.25 21.74 0.68 0.68 6.0 0.23 0.00 17 0.07 2.71 94.8

Town & Country Bank Springfield 793 577 16.0 648 14.5 89.1 9.34 12.57 0.45 0.36 4.5 1.01 0.17 1,861 0.95 3.54 67.2

United Community Bank Chatham 2,058 1,253 (2.5) 1,728 (2.6) 72.5 8.12 12.13 1.58 1.31 18.4 1.07 0.02 4,802 0.94 3.09 63.5

Village Bank Saint Libory 88 44 (4.2) 79 (4.9) 55.9 9.48 20.06 0.55 0.55 5.6 0.85 0.00 259 1.17 3.66 62.1

Warren-Boynton State Bank New Berlin 165 117 (18.1) 136 (7.1) 86.0 13.26 18.47 0.34 0.34 2.4 1.17 0.02 519 1.23 3.84 61.1

Williamsville State Bank & Tr Williamsville 95 36 (7.4) 82 (6.5) 44.2 13.81 33.33 1.65 0.95 12.1 0.80 0.07 88 0.37 3.12 86.2

Average 313 208 (2.7) 264 7.0 72.0 12.07 22.35 0.87 0.67 7.48 1.12 0.05 755 0.92 3.35 69.9 Median 146 86 (2.4) 123 4.0 75.1 11.53 18.46 0.66 0.37 5.38 1.07 0.00 322 0.92 3.37 69.1

Source: S&P Global Market Intelligence, Most Recent Available Quarter 17 PEORIA BANKS (1 OF 4)

1st Community Bank Sherrard $64 $48 8.2 % $55 7.3 % 87.3 % 10.31 % 13.74 % 0.02 % 0.02 % 0.2 % 0.96 % 0.00 % $98 0.62 % 3.57 % 81.2 %

1st State Bank of Mason City Mason City 27 9 (14.5) 24 6.8 39.3 13.83 33.26 1.58 1.58 11.4 1.22 0.13 83 1.22 2.87 62.4

Alliance Community Bank Petersburg 279 148 1.9 242 2.7 61.3 9.91 15.60 1.08 0.88 11.0 0.50 0.06 640 0.94 3.51 68.6

Anderson State Bank Oneida 84 29 11.5 71 (4.6) 41.1 15.49 33.68 0.05 0.00 0.3 0.88 (0.03) 227 1.07 2.87 57.9

Atlanta National Bank Atlanta 58 18 (11.6) 50 0.3 35.7 13.66 33.00 0.18 0.18 1.3 0.86 (0.07) 92 0.63 2.89 76.4

Bank of Chestnut Chestnut 18 14 (22.7) 16 7.1 89.7 9.63 15.16 4.94 3.23 46.3 0.90 0.48 4 0.09 3.72 81.3

Bank of Farmington Farmington 176 122 0.3 154 (0.7) 79.4 11.56 16.52 1.96 0.48 16.2 1.05 0.39 234 0.54 3.36 68.6

Bank of Stronghurst Stronghurst 74 24 9.1 62 13.5 39.0 16.88 38.24 0.09 0.02 0.5 1.29 0.05 97 0.52 2.67 79.1

Bank of Yates City Yates City 69 50 10.2 60 (0.8) 82.9 9.38 14.99 2.24 1.57 22.6 1.60 (0.13) 58 0.34 3.56 85.2

BankORION Orion 453 283 5.0 370 2.0 76.5 11.30 18.14 1.30 0.61 11.5 0.93 (0.01) 1,226 1.09 3.27 60.0

Beardstown Savings s.b. Beardstown 53 38 5.8 41 35.5 91.8 11.34 19.23 2.38 2.38 20.4 0.92 0.28 84 0.64 3.84 74.3

Better Banks Peoria 296 201 (7.3) 268 (6.8) 74.9 8.21 12.73 0.77 0.77 8.8 0.77 0.02 533 0.72 3.34 78.7

Blackhawk Bank & Trust Milan 1,361 672 8.9 927 (6.8) 72.5 11.42 17.95 1.40 1.16 11.2 1.03 0.00 5,154 1.53 2.75 49.3

Camp Grove State Bank Camp Grove 18 8 (52.8) 16 (20.5) 48.1 13.69 25.96 2.88 2.05 21.4 0.96 0.00 (94) (2.09) 3.12 147.1

Central Bank Illinois Geneseo 891 526 8.6 699 (2.3) 75.3 10.22 14.12 0.63 0.58 5.8 1.07 (0.02) 2,976 1.34 3.69 53.6

Central State Bank Clayton 141 123 1.7 114 0.7 107.8 15.54 21.13 3.24 3.24 19.6 1.12 (0.10) 1,026 2.93 4.86 44.9

Colchester State Bank Colchester 67 25 (15.9) 57 15.6 44.5 15.00 32.92 0.85 0.85 5.4 2.19 (0.81) 173 1.06 3.03 59.2

Community Bank of Easton Easton 35 27 19.5 28 (34.3) 97.0 19.91 26.37 0.00 0.00 0.0 0.20 0.00 251 2.84 4.81 23.1

Community Natl Bk in Monmouth Monmouth 38 24 (1.5) 31 (5.3) 75.5 15.91 28.00 2.73 2.73 16.3 1.20 4.82 (81) (0.85) 3.63 81.4

Community State Bank Galva 233 181 (3.6) 207 (0.6) 87.3 10.38 14.43 1.74 1.53 15.3 1.41 (0.10) 740 1.28 3.88 62.2

Ctzns Frst State Bk of Walnut Walnut 47 25 1.1 42 (1.2) 58.0 8.83 17.80 0.51 0.36 5.5 1.38 (0.25) 71 0.61 3.30 81.2

Ctzns Frst State Bk of Walnut Walnut 47 25 1.1 42 (1.2) 58.0 8.83 17.80 0.00 0.00 0.0 1.38 (0.25) 71 0.61 3.30 81.2

Eureka Savings Bank La Salle 321 125 (2.3) 246 1.4 50.7 23.97 66.82 1.18 1.18 5.0 1.19 0.02 375 0.47 2.66 83.7

Fairview State Banking Co Fairview 28 18 (20.9) 24 (4.5) 74.3 13.51 20.83 2.13 1.04 15.1 1.16 0.09 30 0.43 4.17 81.4

Farmers & Mechanics Bank Galesburg 373 241 8.7 299 10.4 80.6 11.08 16.69 0.66 0.25 6.3 0.99 0.12 848 0.91 3.21 67.8

Source: S&P Global Market Intelligence, Most Recent Available Quarter 18 PEORIA BANKS (2 OF 4)

Farmers & Merchants State Bank Bushnell 73 35 (18.8) 66 12.6 53.1 8.97 17.28 0.03 0.03 0.3 0.84 0.00 204 1.15 3.47 66.6

Farmers Bank of Mt. Pulaski Mount Pulaski 47 20 (20.2) 40 0.6 49.3 14.40 36.51 0.09 0.09 0.6 1.20 (0.12) 56 0.48 3.02 84.4

Farmers State B&TC Mount Sterling 93 66 (8.4) 83 4.2 79.7 8.92 13.07 0.76 0.76 8.6 1.15 0.03 243 1.05 3.87 65.1

Farmers State Bank Elmwood 54 30 (15.2) 48 24.5 62.4 8.75 17.13 1.40 0.61 15.7 1.43 0.00 25 0.19 3.17 91.5

Farmers State Bank of Emden Emden 34 11 (15.4) 25 2.7 42.9 27.02 58.05 0.39 0.00 1.4 0.50 0.00 82 0.93 2.68 56.3

Farmers State Bk of Western IL Alpha 134 74 (4.5) 114 (16.5) 65.0 13.07 21.03 0.28 0.28 2.0 1.75 0.00 493 1.46 4.21 61.8

First Bankers Trust Co. NA Quincy 908 477 (3.3) 741 - 64.3 9.15 15.65 2.21 1.51 20.5 2.90 (0.04) 1,634 0.71 2.97 62.3

First Farmers State Bank Minier 172 119 (6.7) 137 (0.3) 87.1 12.19 21.30 0.00 0.00 0.0 0.80 (0.01) 1,018 2.36 3.60 51.1

First FSB Ottawa 371 232 (0.2) 324 6.5 71.7 11.35 24.37 1.53 0.49 12.8 0.65 (0.01) 147 0.16 2.72 97.0

First National Bank Arenzville Arenzville 85 60 (19.6) 77 27.2 77.7 9.59 13.96 0.94 0.23 8.7 1.30 0.00 249 1.14 3.84 67.3

First National Bank in Tremont Tremont 119 76 (20.1) 103 (11.6) 73.1 11.95 20.09 0.74 0.74 5.9 1.15 0.09 226 0.75 3.69 77.4

First National Bank of Lacon Lacon 57 44 (0.5) 51 (7.6) 85.1 9.64 14.68 1.50 1.50 13.8 1.36 (0.05) 150 1.02 4.00 74.1

First National Bank of Ottawa Ottawa 298 218 (13.8) 249 6.1 87.6 15.33 20.01 2.30 2.29 15.0 1.54 0.04 463 0.66 4.33 78.2

First Natl Bk of Beardstown Beardstown 126 82 (0.5) 111 22.1 74.1 11.93 18.52 0.06 0.06 0.5 1.04 (0.08) 416 1.34 4.05 66.7

First Security Bank Mackinaw 76 66 8.0 66 (11.2) 100.3 9.95 13.40 3.28 3.28 29.6 1.33 0.27 222 1.14 3.92 70.7

First State Bank Mendota 1,115 930 2.2 965 24.3 96.3 9.52 13.08 0.81 0.81 7.8 1.21 0.01 1,601 0.58 3.16 78.0

First State Bank of Van Orin Van Orin 41 11 (11.8) 37 0.8 30.8 9.39 23.66 1.32 1.32 13.8 1.69 0.22 54 0.52 2.69 75.8

Fortress Bank Peoria 442 336 8.3 375 7.9 89.6 8.58 11.32 0.81 0.62 11.3 1.16 0.00 733 0.68 3.36 71.1

Glasford State Bank Glasford 37 21 (19.1) 34 3.1 61.7 9.08 19.25 0.56 0.56 5.9 0.89 (0.02) 52 0.56 3.60 77.5

Goodfield State Bank Goodfield 127 95 (9.0) 109 18.4 87.0 13.11 17.59 0.42 0.42 3.1 1.15 (0.01) 557 1.80 3.81 56.4

Grand Ridge National Bank Grand Ridge 204 175 9.4 178 4.8 98.2 12.08 14.85 0.10 0.06 0.8 0.59 0.00 974 1.96 5.74 51.8

Granville National Bank Granville 88 37 (13.4) 78 5.1 48.0 10.89 22.26 0.45 0.45 4.1 1.47 (0.02) 147 0.68 2.74 69.3

Hartsburg State Bank Hartsburg 15 9 (10.7) 13 (29.6) 66.5 12.77 18.55 0.00 0.00 0.0 2.68 (0.41) 44 1.14 3.50 68.4

Havana National Bank Havana 253 177 4.7 196 30.3 90.5 10.93 14.50 1.23 1.23 10.9 1.07 0.02 799 1.32 3.56 51.7

Hill-Dodge Banking Co. Warsaw 40 22 (19.2) 34 (50.5) 66.1 15.14 24.36 2.10 2.04 12.8 1.39 0.00 153 1.49 3.99 56.6

Source: S&P Global Market Intelligence, Most Recent Available Quarter 19 PEORIA BANKS (3 OF 4)

Hometown National Bank LaSalle 229 132 (8.8) 202 1.8 65.6 11.43 17.92 0.59 0.10 4.8 1.67 (0.03) 628 1.12 3.53 71.9

Illini State Bank Oglesby 123 66 (16.2) 87 (1.3) 75.3 12.72 21.75 0.58 0.06 4.8 0.92 (0.01) 281 0.91 3.01 63.2

Ipava State Bank Ipava 146 97 1.1 133 21.5 72.4 8.49 14.80 0.10 0.09 1.0 1.17 (0.08) 629 1.74 3.97 61.2

LaSalle State Bank La Salle 137 72 (8.5) 95 (12.7) 76.0 9.39 17.52 0.47 0.23 4.9 1.34 0.01 316 0.90 3.03 72.5

Liberty Bank Liberty 95 67 (4.7) 82 (11.4) 82.0 12.58 18.08 1.74 1.74 13.6 0.61 0.00 301 1.28 4.07 59.1

Marseilles Bank Marseilles 67 29 0.4 60 97.7 47.5 9.72 19.67 0.28 0.28 3.0 0.49 0.04 170 1.06 2.71 61.5

Mason City National Bank Mason City 71 26 (6.3) 58 3.1 45.3 17.36 38.55 0.44 0.44 2.5 0.54 0.00 239 1.35 2.95 55.0

MidAmerica National Bank Canton 415 257 (3.2) 357 0.7 72.0 10.98 17.15 0.95 0.32 8.3 1.34 0.04 1,472 1.43 3.84 57.2

Middletown State Bank Middletown 36 28 (16.8) 31 (20.3) 92.0 9.57 15.13 0.15 0.15 1.4 0.58 0.00 169 1.84 3.24 41.3

Midwest Bank Monmouth 500 308 1.4 384 (10.2) 80.2 9.13 15.16 1.76 1.54 18.5 1.04 0.02 1,085 0.86 3.52 70.1

Morton Community Bank Morton 3,726 2,687 (2.0) 2,867 (11.8) 93.7 10.16 13.42 2.04 1.46 19.3 0.90 0.07 14,603 1.56 3.01 47.7

North Adams State Bank Ursa 36 24 (16.4) 29 (19.9) 82.3 14.93 24.45 0.22 0.17 1.4 0.55 0.00 81 0.89 4.02 71.7

North Central Bank Hennepin 121 68 (0.2) 100 2.4 67.9 12.17 19.51 0.91 0.44 7.3 1.88 (0.04) 325 1.08 3.38 70.8

Ottawa SB Ottawa 289 239 0.2 229 (4.1) 104.3 15.26 21.59 0.59 0.45 3.7 1.10 0.22 416 0.58 3.61 72.6

Peoples National Bk of Kewanee Kewanee 357 160 (10.7) 302 3.9 52.8 12.73 20.84 1.23 0.87 9.3 1.40 0.14 1,168 1.31 5.10 54.9

Peru FSB Peru 153 74 4.9 131 11.2 56.7 13.67 27.77 1.04 0.66 7.7 0.65 0.00 215 0.58 2.67 76.9

Petefish Skiles & Co. Virginia 192 126 21.7 147 0.4 85.8 11.72 14.44 0.37 0.37 3.1 0.70 0.09 626 1.32 3.75 63.0

Pioneer State Bank Earlville 105 69 (5.1) 81 (11.2) 85.5 11.81 18.90 2.56 1.74 19.5 1.36 0.06 61 0.23 3.91 95.5

Princeville State Bank Princeville 81 40 11.5 69 4.5 57.9 9.11 15.65 3.41 2.44 35.5 1.39 0.22 168 0.82 3.34 73.8

Raritan State Bank Raritan 175 134 5.2 154 2.1 87.2 11.69 17.87 3.71 2.87 29.8 1.00 0.12 323 0.73 3.32 67.9

Reynolds State Bank Reynolds 98 13 18.9 73 (19.6) 17.6 24.44 66.58 0.32 0.32 1.3 1.16 0.00 388 1.55 2.32 25.3

Rushville State Bank Rushville 104 47 (8.1) 88 20.7 53.0 14.24 25.56 1.03 1.03 7.2 1.35 (0.01) 403 1.55 3.36 54.0

Security SB Monmouth 198 138 1.4 176 1.8 78.7 10.86 16.50 0.31 0.31 2.7 0.97 0.22 295 0.60 2.90 72.7

SENB Bank Moline 227 149 15.0 173 5.4 86.1 10.09 14.63 0.18 0.18 1.8 0.92 0.00 389 0.69 3.19 80.2

Spring Valley City Bank Spring Valley 186 93 11.9 157 9.1 59.5 15.20 29.97 0.70 0.55 4.4 2.05 0.02 426 0.93 2.98 64.8

Source: S&P Global Market Intelligence, Most Recent Available Quarter 20 PEORIA BANKS (4 OF 4)

State Bank of Cherry Cherry 87 60 10.0 75 6.5 79.6 14.06 20.53 0.01 0.01 0.1 1.11 (0.01) 305 1.41 3.62 55.5

State Bank of Industry Industry 55 37 (4.5) 47 (5.5) 79.4 13.93 22.04 0.32 0.32 2.2 0.95 0.00 188 1.37 3.28 56.9

State Bank of Lincoln Lincoln 356 138 1.0 318 (43.8) 43.4 9.72 20.18 0.23 0.19 2.2 1.19 0.13 817 0.89 3.14 71.4

State Bank of Nauvoo Nauvoo 30 21 5.9 27 (1.5) 76.0 9.36 15.58 3.63 3.63 33.7 1.41 1.11 12 0.16 4.17 67.1

State Bank of Toulon Toulon 220 148 (17.4) 185 (14.3) 80.2 10.26 13.17 0.81 0.81 7.6 1.03 0.21 591 1.06 3.57 64.1

State Street B&TC Quincy 225 163 7.1 199 9.8 82.2 8.77 12.56 0.11 0.11 1.1 0.78 0.00 705 1.27 3.76 68.6

Streator Home SB Streator 170 41 (5.0) 125 9.6 32.7 24.65 87.73 0.45 0.43 1.8 0.73 0.20 220 0.52 2.15 71.2

Table Grove State Bank Table Grove 45 31 (3.2) 40 11.0 78.0 11.82 16.87 0.04 0.04 0.4 0.85 0.00 193 1.71 4.08 66.9

Tompkins State Bank Avon 211 133 (19.7) 178 1.1 74.6 9.32 13.89 0.65 0.63 6.9 0.90 0.00 376 0.72 3.28 76.8

Town & Country Bank Midwest Quincy 192 124 0.7 171 66.1 72.6 10.78 15.57 1.00 0.82 9.0 1.14 0.04 1,096 2.37 4.08 46.6

Union FS&LA Kewanee 151 113 0.3 129 7.8 87.5 14.47 24.88 1.72 1.23 11.5 0.86 (0.01) 196 0.53 3.55 77.6

Vermont State Bank Vermont 28 24 0.8 26 (6.8) 94.0 9.01 13.83 5.74 3.88 56.0 1.37 0.22 91 1.27 3.40 64.0

Washington State Bank Washington 59 30 (1.3) 53 (16.2) 57.0 10.73 26.12 1.19 1.19 10.9 0.63 (0.13) 124 0.83 2.83 62.9

Wenona State Bank Wenona 33 16 5.9 28 7.4 59.4 14.68 23.73 1.55 1.55 10.4 1.79 (0.05) 62 0.77 3.26 73.6

West Central Bank Ashland 181 152 (10.3) 160 (9.7) 95.1 9.76 13.14 0.64 0.64 6.2 0.61 0.97 227 0.50 3.99 80.6

Average 224 142 (3.2) 183 1.9 71.2 12.27 21.92 1.13 0.89 9.56 1.13 0.09 623 0.97 3.47 68.1 Median 120 68 (1.4) 91 1.3 75.1 11.39 18.11 0.79 0.59 7.07 1.11 0.00 246 0.92 3.44 68.5

Source: S&P Global Market Intelligence, Most Recent Available Quarter 21 ROCKFORD BANKS (1 OF 2)

Apple River State Bank Apple River 334 202 3.6 274 (7.9) 73.7 10.91 16.77 0.35 0.09 3.2 0.99 (0.03) 1,134 1.38 3.30 63.0

Byron Bank Byron 255 149 7.8 225 0.2 66.3 10.55 16.94 1.31 0.71 11.5 0.96 0.03 928 1.46 3.15 62.7

Citizens State Bank Lena 259 199 1.8 221 2.1 89.9 12.64 17.01 1.66 1.25 12.7 1.08 0.31 1,002 1.56 3.81 59.1

Community Bank Winslow 213 122 7.6 154 1.2 78.9 13.93 25.22 0.25 0.11 1.8 1.07 0.49 438 0.82 2.78 65.7

Cmnty State Bk of Rock Falls Rock Falls 267 195 (4.7) 238 3.0 81.9 9.85 16.67 3.01 2.82 27.6 1.85 (0.02) 461 0.70 3.39 67.6

Durand State Bank Durand 103 66 (1.9) 92 10.5 71.9 11.15 16.84 1.73 0.18 15.1 1.10 (0.02) 179 0.70 3.14 75.6

Exchange State Bank Lanark 85 42 (3.6) 71 (10.2) 59.3 11.73 20.84 0.78 0.56 5.8 1.73 0.00 199 0.93 2.97 70.5

Farmers National Bank Prophetstown 683 379 3.3 457 (1.6) 82.9 13.72 19.87 0.92 0.88 5.5 4.00 0.00 2,610 1.53 3.22 38.5

First National Bank in Amboy Amboy 200 104 (13.4) 174 0.0 59.7 11.32 18.93 0.64 0.64 5.4 1.35 (0.13) 453 0.90 3.32 72.8

First Savanna Savings Bank Savanna 12 9 (8.1) 11 9.1 80.8 11.21 20.96 1.49 1.49 13.0 0.54 0.23 (32) (1.07) 3.97 123.9

First State Bank Shannon-Polo Shannon 160 103 (11.0) 136 8.4 75.8 9.83 11.98 2.10 2.03 21.2 0.86 1.15 37 0.09 3.49 78.9

First Trust & SB of Albany IL Albany 177 125 (5.9) 150 (18.8) 83.4 13.51 20.82 1.45 1.32 10.2 1.17 0.00 613 1.37 3.58 57.2

Forreston State Bank Forreston 217 135 7.6 167 11.8 80.9 11.46 16.65 0.59 0.01 5.3 0.92 0.03 673 1.27 3.14 61.2

German-American State Bank German Valley 246 181 4.6 217 3.8 83.4 10.18 13.15 0.60 0.39 5.6 1.11 0.04 711 1.17 3.44 58.3

H. F. Gehant Banking Co. West Brooklyn 58 41 (14.6) 48 (3.7) 84.5 15.66 22.53 0.67 0.43 3.9 1.83 (0.05) 225 1.56 3.65 57.5

Holcomb Bank Rochelle 185 138 7.6 166 (1.8) 83.5 10.21 13.61 1.88 1.22 17.5 0.86 0.03 245 0.53 3.66 84.8

Illinois Bank & Trust Rockford 810 488 8.3 735 11.0 66.3 9.07 13.27 0.29 0.28 3.2 0.84 0.11 2,632 1.32 3.59 65.4

Lena State Bank Lena 87 55 (7.8) 75 (7.4) 72.4 12.12 17.20 0.28 0.00 2.0 2.47 0.00 251 1.15 3.12 56.3

Midwest Community Bank Freeport 236 197 5.0 209 26.5 94.3 11.05 14.04 2.07 1.34 17.7 1.07 0.00 382 0.68 3.78 91.6

Milledgeville State Bank Milledgeville 144 91 12.9 107 16.6 84.4 11.06 16.04 0.27 0.27 2.2 1.29 0.00 563 1.59 3.28 46.6

Source: S&P Global Market Intelligence, Most Recent Available Quarter 22 ROCKFORD BANKS (2 OF 2)

Northwest Bank of Rockford Rockford 282 211 1.3 242 15.9 87.0 9.85 12.55 2.26 2.11 21.2 1.39 (0.01) 340 0.49 3.71 83.6

Poplar Grove State Bank Poplar Grove 86 26 (2.6) 63 10.4 41.2 25.86 57.57 1.03 1.03 3.9 0.82 0.00 399 1.87 3.40 48.9

Resource Bank NA DeKalb 495 301 1.6 448 19.0 67.2 9.23 14.04 2.34 1.61 23.6 1.25 0.04 976 0.81 3.74 80.6

Rockford B&TC Rockford 513 405 0.7 434 2.6 93.2 8.84 10.93 1.52 0.85 15.1 1.74 (0.08) 587 0.46 2.76 83.1

Sauk Valley Bank & Trust Co. Sterling 422 307 (4.8) 373 (8.5) 82.5 9.10 12.18 1.59 1.54 16.3 1.21 0.12 663 0.63 3.51 72.4

Savanna-Thomson State Bank Savanna 87 55 (0.5) 73 (41.7) 75.1 12.29 18.52 0.34 0.34 2.8 1.00 (0.02) 207 0.93 3.43 69.0

State Bank Freeport 264 188 9.9 215 5.3 87.2 10.49 13.86 0.84 0.56 7.1 1.92 0.39 1,014 1.54 3.45 45.5

State Bank of Davis Davis 155 89 (21.1) 122 (7.5) 72.6 11.73 17.72 1.82 0.76 14.3 2.12 0.00 465 1.24 3.09 51.0

State Bank of Pearl City Pearl City 56 36 (7.2) 49 (2.1) 72.2 11.98 18.92 0.39 0.39 3.1 1.73 0.37 93 0.67 4.22 76.3

Sterling Federal Bank F.S.B. Sterling 457 217 8.9 375 14.1 57.8 8.45 16.16 1.72 1.01 20.3 0.99 0.01 (356) (0.31) 2.88 100.8

Stillman BancCorp N.A. Stillman Valley 444 157 (20.2) 383 9.4 41.0 8.87 19.92 0.43 0.43 4.6 1.25 (0.01) 997 0.91 2.68 74.1

UNION SB Freeport 158 111 3.3 141 9.3 78.8 10.04 NA 1.03 0.48 9.9 0.79 0.20 182 0.46 3.33 85.5

Waterman State Bank Waterman 33 17 (6.9) 27 (8.4) 63.3 11.03 17.64 1.79 0.14 16.2 1.46 0.00 5 0.06 3.34 95.9

Average 248 156 (1.2) 208 2.1 74.9 11.48 18.10 1.19 0.83 10.57 1.36 0.10 584 0.89 3.37 70.4 Median 213 135 0.7 167 2.6 78.8 11.05 16.89 1.03 0.64 9.89 1.17 0.00 453 0.91 3.39 69.0

Source: S&P Global Market Intelligence, Most Recent Available Quarter 23 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) (%) (%) (%)

05/08/19 Citizens Bancshares Co. MO Summit Bank of Kansas City Lee's Summit MO Mix NA NA NM NA NA $45.4 4.44 11.17 -0.14 05/03/19 Time FSB WI River Cities Bancshares Inc. Wisconsin Rapids WI Mix NA NA NM NA NA $256.3 0.87 15.17 1.55 05/02/19 INTRUST Financial Corp. KS First Newton Bankshares Inc. Newton KS -- NA NA NM NA NA $188.2 1.98 10.25 1.19 05/01/19 First State BancShares Inc. WI Pioneer Bancorp Inc. Auburndale WI -- NA NA NM NA NA $156.2 1.12 10.73 0.91 04/26/19 Pvt Invr - Davis & Minnich OH Anchor Bancorp. Inc. Anchor IL -- NA NA NM NA NA $15.0 0.00 12.43 0.70 04/22/19 Merchants Financial Group Inc MN First Natl Bk of Northfield Northfield MN Cash NA NA NM NA NA $205.6 0.00 9.49 1.21 04/17/19 Lake Shore III Corp. WI First American Bank NA Hudson WI Mix NA NA NM NA NA $124.8 0.60 13.87 0.76 04/10/19 Central Bancompany Inc. MO Liberty Bancorp Inc. Kansas City MO -- $104.8 NA NM 19.4 NA $540.6 NA NA NA 04/10/19 Walsh Financial Inc. MN First National Bank of Buhl Mountain Iron MN Cash NA NA NM NA NA $26.3 2.25 7.47 0.09 04/02/19 Midland States Bancorp Inc. IL HomeStar Financial Group Inc. Manteno IL -- $9.9 95.0 7.1 2.6 0.0 $375.4 1.28 7.98 1.16 03/30/19 First Hldg Co of Cavalier Inc ND Northern Sky Bank Crookston MN Mix NA NA NM NA NA $73.7 0.00 8.62 1.31 03/25/19 ChoiceOne Financial Services MI County Bank Corp Lapeer MI -- $89.0 150.5 NM 14.4 5.7 $616.6 NA NA NA 03/15/19 Old O'Brien Banc Shares Inc. IA R & J Financial Corp. Inc. Elma IA -- NA NA NM NA NA $77.3 0.00 10.75 2.09 03/11/19 Bethany Bankshares Inc. MO Fairport Bancshares Inc. Maysville MO Cash NA NA NM NA NA NA 0.04 NA -0.29 03/05/19 Katz Capital FL Camp Grove Bancorp Inc. Camp Grove IL Cash NA NA NM NA NA $19.3 2.72 12.75 -0.31 03/05/19 Pella Financial Group Inc. IA Iowa State SB Knoxville IA Mix NA NA NM NA NA $168.3 1.10 8.99 1.47 02/27/19 Sword Financial Corp. WI Markesan Bancshares Inc. Markesan WI -- $6.0 NA NM 4.7 -4.4 $126.8 20.97 8.15 -1.70 02/21/19 German American Bancorp Inc. IN Citizens First Corp. Bowling Green KY -- $68.1 147.9 14.1 14.3 6.8 $476.0 0.30 9.72 1.01 02/20/19 Wintrust Financial Corp. IL Rush-Oak Corp. Chicago IL Mix $46.0 158.1 NM 23.5 16.3 $195.5 1.74 18.13 0.75 02/19/19 Midstates Bancshares Inc. IA Kingsley State Bank Kingsley IA Mix NA NA NM NA NA $191.1 0.76 11.85 1.04 02/12/19 Waterman Acquisition Group IL Waterman State Bank Waterman IL Cash NA NA NM NA NA $35.5 1.84 8.87 1.14 02/01/19 Valley Central MHC OH American SB Middletown OH -- NA NA NM NA NA $42.5 1.15 18.40 0.05

Avg. 54.0 137.9 10.6 13.2 4.9 188.4 2.16 11.31 0.70 Median 57.1 149.2 10.6 14.4 5.7 156.2 1.11 10.73 0.96

Note: Transactions since February 1, 2019 Note: Includes whole bank transactions where 100% equity was acquired; Data as of May 13, 2019 Note: Midwest consists of OH, KY, IN, MI, WI, IL, MO, IA, ND, SD, KS, NE, MN Source: S&P Global Market Intelligence 24 II. FIG PARTNERS UPDATE FIG PARTNERS MISSION

“WE ARE DEDICATED TO COMMUNITY BANKS AND WE EXIST TO BE THE TRUSTED ADVISOR FOR COMMUNITY BANKS AND THEIR INVESTORS ”

Founded in 2003, FIG Partners is a recognized Industry Specific, Client Focused industry expert in our five primary services: M&A

Capital Strategic Raising Advisory

Market Valuation Makers Services

www.figpartners.com Fixed Equity Income Capital Markets

Equity Sales & Research Trading

26 INVESTMENT BANKING AND CAPITAL MARKETS

Capital Mergers & Advisory Markets Acquisitions Services

• Public Equity & Debt • Whole Bank Sales • Valuation Services Offerings • Branch Divestitures • Strategic Planning • Private Placements of Debt & • Acquisition Analysis • Fairness Opinions Equity • Merger of Equals • Distressed Asset Sales • Private Equity Transactions • Change of Control • Succession Planning • Recapitalizations Transactions • Capital Advisory

▪ Providing guidance and maximizing value for clients:1 • Participated in 143 equity capital offerings, helping raise > $4.7 billion of equity capital since inception • Participated in 35 debt capital offerings, helping raise > $800 million of debt capital since inception • Advised on 120 whole bank transactions, totaling > $8.0 billion in transaction value since inception ▪ A seasoned team of more than 17 experienced and veteran professionals: • Involved in over $5.0 billion of equity raises • More than 275 bank transactions throughout the nation • Combined experience of more than 225 years

(1) Updated as of May 8, 2019 Source: S&P Global Market Intelligence, FIG Partners 27 RECENT FIG PARTNERS TRANSACTIONS

Agreed to be Agreed to Acquire Acquired by $31,050,000 $13,000,000 $26,250,000 Initial Public Common Stock Common Stock Offering Offering Offering Financial Advisor Lead Book Runner Sole Placement Agent Sole Placement Agent Financial Advisor May 2019 May 2019 April 2019 April 2019 March 2019

Agreed to Acquire $3,000,000 $16,000,000 $23,000,000 $81,900,000 Subordinated Debt Common Stock Common Stock Offering Offering Offering Initial Public Offering Sole Placement Agent Sole Placement Agent Lead Manager Financial Advisor Co-Manager March 2019 February 2019 February 2019 January 2019 December 2018

Agreed to Merge with Agreed to be $1,500,000 Agreed to be Agreed to Acquire Acquired by Acquired by Subordinated Debt Offering Financial Advisor Sole Placement Agent Financial Advisor Financial Advisor Financial Advisor December 2018 December 2018 December 2018 December 2018 December 2018

Note: Dates are as of announcement date for M&A transactions, unless noted otherwise 28 A NATIONALLY RECOGNIZED CAPITAL RAISING LEADER

▪ Since January 1, 2017, FIG has helped Capital Offerings League Tables < $1.0 Billion Assets¹ Number of raise more than $1.2 billion of equity Rank Advisor Offerings capital, and more than $190 million of National debt capital, successfully completing 40 1FIG Partners LLC 65 equity capital raises and 13 debt capital 2Sandler O'Neill 42 3Stifel / KBW 28 raises

2 ▪ Since Inception, FIG has helped raise more Capital Offerings League Tables < $50.0 Million Offered Capital Offerings League Tables < $1.0 Billion Assets¹ Number of than $4.7 billion of equity capital, and Rank Advisor Offerings more than $800 million of debt capital, National successfully completing 143 equity capital 1Sandler O'Neill 94 raises and 35 debt capital raises 2Stifel / KBW 75 3FIG Partners, LLC 71

$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 May 8, 2019 (2) Preferred and common stock offerings < $50M, from January 1, 2011 to May 8, 2019 Source: S&P Global Market Intelligence, FIG Partners 29 A STRONG HISTORY OF CAPITAL RAISING EFFORTS

Date of Company State Symbol Offering/Role Offering Size Offering ▪ Specialization Most Recent FIG Partners Capital Raises Red River Bancshares, Inc. LA RRBI Lead Book Runner $31.1 M May-19 FIG is among the premier investment banking and capital BankFirst Capital Corporation MS Private Sole Placement Agent $13.0 M Apr-19 markets firms focused on serving the needs of small-cap United Bancorporation of Alabama, Inc. AL UBAB Sole Placement Agent $26.3 M Apr-19 financial institutions. Victory Bancorp, Inc. PA VTYB Sub Debt $3.0 M Mar-19 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 ▪ Institutional Distribution Mercantil Bank Holding Corporation FL AMTB Co-Manager $81.9 M Dec-18 Grand Mountain Bancshares, Inc. CO GMBB Sub Debt $1.5 M Dec-18 Our Equity Capital Markets team has excellent long-term Embassy Bancshares, Inc. GA Private Sub Debt $5.0 M Dec-18 relationships with leading institutions focused on investing in GrandSouth Bancorporation SC GRRB Sub Debt $10.0 M Nov-18 Pilot Bancshares, Inc. FL PLBN Sole Placement Agent $10.0 M Oct-18 small- and mid-cap banks. Revere Bank MD REVB Co-Manager $47.1 M Sep-18 HarborOne Bancorp, Inc. (MHC) MA HONE Sub Debt $35.0 M Aug-18 ▪ Accredited Investor and Retail Network Select Bancorp, Inc. NC SLCT Sole Book Runner $63.3 M Aug-18 MainStreet Bancshares, Inc. VA MNSB Sole Placement Agent $45.0 M Aug-18 FIG has a deep stable of high net worth and home office 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 investors to ensure success on smaller market cap names. 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 ▪ After Market Support Studio Bank TN Private Sole Placement Agent $46.0 M Jun-18 BayCom Corp. CA BCML Lead Book Runner $72.1 M May-18 Our Sales and Trading desk is a leading market maker in small- Gateway Bank, F.S.B. CA Private Sole Placement Agent $10.5 M May-18 Porter Bancorp, Inc. KY PBIB Financial Advisor $15.0 M Mar-18 cap stocks, often trading far more shares than any of the other Village Bank and Trust Financial Corp. VA VBFC Sub Debt $5.7 M Mar-18 financial institution “boutique” firms. SB Financial Group, Inc. OH SBFG Sole Book Runner $30.0 M Feb-18 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 ▪ Research Capabilities 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 FIG Research team is a leading provider to community banks First Bancshares, Inc. MS FBMS Co-Manager $58.4 M Oct-17 with coverage of over 100 banks, mostly small-cap, 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 throughout the entire nation. Gold Coast Bancorp NY GLDT Sub Debt $13.5 M Sep-17 Fidelity Financial Corporation KS Private Sub Debt $42.0 M Sep-17 ▪ Experienced Deal Team Pilot Bancshares, Inc. FL PLBN Sole Placement Agent $7.5 M Sep-17 First Internet Bancorp IN INBK Co-Manager $55.0 M Sep-17 We will devote significant investment banking resources to FS Bancorp, Inc. WA FSBW Co-Manager $27.6 M Sep-17 ensure the highest level of execution. Our investment bankers 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 have a tremendous amount of experience leading equity Citizens Community Bancorp, Inc. WI CZWI Sub Debt $15.0 M Aug-17 capital transactions for our clients. Bank of Fincastle VA BFTL Sole Placement Agent $14.3 M Jul-17 RBB Bancorp CA RBB Co-Manager $86.3 M Jul-17 Metropolitan Capital Bancorp, Inc. IL Private Sub Debt $6.0 M Jul-17 Coastal Carolina Bancshares SC CCNB Sole Placement Agent $16.5 M Jun-17 Sussex Bancorp NJ SBBX Co-Manager $30.0 M Jun-17 30 A NATIONALLY RECOGNIZED, LEADING M&A ADVISOR

1 ▪ Since January 1, 2017, FIG has U.S. Bank M&A Advisory League Tables Number of advised on 45 M&A transactions, Rank Advisor Transactions

totaling approximately $4.7 billion Since January 1, 2017 in transaction value 1Sandler O'Neill 117

2Stifel / KBW 95 ▪ Since Inception, FIG has advised 3Hovde Group, LLC 58 on 120 M&A transactions, totaling more than $8.0 billion in 4FIG Partners, LLC 45 transaction value 5Stephens Inc. 39

$751 Million $305 Million $80 Million $1.4 Billion $117 Million

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

Financial Advisor Financial Advisor Financial Advisor Financial Advisor Financial Advisor December 2018 August 2018 July 2018 May 2018 April 2018

(1) Data as of May 8, 2019 Source: S&P Global Market Intelligence, FIG Partners 31 FIG PARTNERS HISTORICAL WHOLE BANK TRANSACTIONS Since its inception in 2003, FIG Partners has advised on 120 community bank deals nationwide. This represents over $8.0 billion in deal value.

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

05/08/19 Southern States Bancshares, Inc. East Alabama Financial Group, Inc. -- 241.1 06/28/17 Bank of McKenney CCB Bankshares Inc. 19.0 216.1 03/19/19 First Bank Grand Bank NA 19.4 196.9 06/26/17 BayCom Corp. Plaza Bank 10.6 69.7 01/22/19 Citizens Community Bancorp, Inc. F. & M. Bancorp of Tomah Inc. 21.6 194.6 06/01/17 Charter Financial Corporation Resurgens Bancorp 26.3 166.8 12/20/18 CCF Holding Company Heritage Bncp, Inc./ Providence Bk 105.0 628.7 05/04/17 Trona Valley Community Federal Credit Union State Bank -- 37.0 12/17/18 Ameris Bancorp Fidelity Southern Corp. 750.7 4,812.1 05/04/17 Seacoast Banking Corporation of Florida Palm Beach Community Bank 71.3 346.0 12/13/18 Delmar Bancorp Virginia Partners Bank 55.1 420.1 04/24/17 Sierra Bancorp OCB Bancorp 35.5 270.3 12/12/18 Morris State Bancshares, Inc. FMB Equibanc Inc. 23.6 193.0 03/28/17 FNS Bancshares, Inc. Commerce Bancshares Inc. 21.8 159.1 12/10/18 BayCom Corp Uniti Financial Corp. 63.9 325.4 03/17/17 Citizens Community Bancorp, Inc. Wells Financial Corp. 40.2 268.5 11/15/18 BankFirst Capital Corporation FNB Bcshs of Central AL Inc. 47.4 273.2 02/17/17 West Town Bancorp, Inc. Sound Banking Co. 22.9 185.3 09/13/18 Park National Corporation CAB Financial Corp. 141.8 730.7 02/06/17 First Busey Corporation First Community Finl Partners 242.0 1,268.2 08/23/18 Lakeland Bancorp, Inc. Highlands Bancorp Inc. 56.7 487.9 12/15/16 BayCom Corp. First ULB Corp. 36.9 452.6 08/22/18 First Busey Corporation Banc Ed Corp. 304.9 1,853.1 12/13/16 Southern National Bancorp of Virginia, Inc. Eastern Virginia Bankshares 180.9 1,314.9 08/13/18 BayCom Corp Bethlehem Financial Corp 23.5 156.8 11/15/16 Little Bank, Inc. Union Banc Corp. 30.7 299.5 07/24/18 First Bancshares, Inc. FMB Banking Corp. 80.0 480.4 11/03/16 Bay Banks of Virginia, Inc. Virginia BanCorp Inc. 31.6 323.6 06/21/18 Citizens Community Bancorp, Inc. United Bank 50.7 280.8 10/20/16 Independent Bank Corp. Island Bancorp Inc 24.5 194.1 06/15/18 Carolina Trust BancShares, Inc. Clover Community Bkshs Inc. 21.5 130.2 07/01/16 North Shore Bank, FSB Layton Park Financial Grp Inc 5.7 122.9 06/12/18 First Mid-Illinois Bancshares, Inc. SCB Bancorp Inc. 70.4 437.8 06/08/16 Farmers & Merchants Bancorp Delta National Bancorp 7.2 106.0 06/07/18 First Midwest Bancorp, Inc. Northern States Financial Corp 91.0 487.1 05/12/16 Coastal Carolina Bancshares, Inc. VistaBank 12.2 110.1 05/18/18 Citizens Bancshares Corporation Regional Bankshares Inc. 11.3 117.0 04/26/16 First Mid-Illinois Bancshares, Inc. First Clover Leaf Fin Corp. 89.5 636.9 05/13/18 Cadence Bancorporation State Bank Finl Corp. 1,373.7 4,892.3 03/14/16 First Community Financial Partners, Inc. Mazon State Bank 8.5 84.6 05/10/18 Stifel Financial Corp. Bus. Bancshares Inc. 127.4 619.5 01/04/16 Sierra Bancorp Coast Bancorp 13.8 146.9 04/23/18 RBB Bancorp First American Intl Corp 116.8 873.4 12/17/15 Pacific Commerce Bancorp ProAmérica Bank 29.8 211.1 04/19/18 Premier Financial Bancorp, Inc. First Bank of Charleston Inc. 27.8 189.2 12/03/15 First Busey Corporation Pulaski Financial Corp. 211.6 1,521.7 03/14/18 HarborOne Bancorp, Inc. (MHC) Coastway Bncp, Inc. 125.6 738.9 12/03/15 Charter Financial Corporation CBS Financial Corp. 58.7 368.7 12/20/17 Heritage Commerce Corp Tri-Valley Bank 31.1 147.2 11/23/15 BNH Financial Community Guaranty Corp. 12.9 115.1 12/13/17 South Atlantic Bancshares, Inc. Atlantic Bancshares Inc. 18.1 87.0 11/10/15 RBB Bancorp TFC Holding Co. 83.2 486.9 12/11/17 Union Savings and Loan Association Hibernia Bancorp Inc 28.0 136.5 10/26/15 Fidelity Southern Corporation American Enterprise Bkshs Inc 26.9 205.4 12/11/17 First Mid-Illinois Bancshares, Inc. First BancTrust Corp. 73.8 465.6 10/21/15 Southern BancShares (N.C.), Inc. Heritage Bankshares Inc. 50.2 340.9 10/24/17 Bangor Bancorp, MHC First Colebrook Bancorp Inc. 45.0 262.4 10/19/15 Bank of the Ozarks, Inc. Community & Southern Hldgs Inc 799.5 3,859.5 09/27/17 Old Line Bancshares, Inc. Bay Bancorp Inc. 127.6 645.9 10/14/15 NCAL Bancorp Commercial Bank of California -- 328.2 09/25/17 First Reliance Bancshares, Inc. Independence Bancshares Inc. 2.6 89.8 08/24/15 Avadian Credit Union American Bank of Huntsville 9.2 123.1 09/18/17 First American Bank Corporation Southport Financial Corp. 44.0 285.3 08/14/15 BNC Bancorp Southcoast Financial Corp. 95.5 505.6 08/16/17 National Commerce Corporation FirstAtlantic Finl Hldgs Inc 107.9 462.4 07/30/15 Glacier Bancorp, Inc. Cañon Bank Corp. 31.7 253.1 08/01/17 PB Financial Corporation CB Financial Corp. 11.2 106.8 07/20/15 HCBF Holding Company, Inc. OGS Investments Inc. 23.5 231.1 07/21/17 Delmar Bancorp Liberty Bell Bank 16.8 147.8 05/14/15 FNB Bancorp America California Bank 21.5 132.6

Source: S&P Global Market Intelligence, FIG Partners 32 We are Dedicated to the Success of Community Banks and Their Investors

RESEARCH | INVESTMENT BANKING | EQUITY SALES & TRADING | FIXED INCOME | CORPORATE & PRIVATE CLIENT SERVICES

ATLANTA – HEADQUARTERS 1475 Peachtree Street NE⚫ Suite 800 ⚫ Atlanta, GA 30309 www.figpartners.com CHICAGO NEW JERSEY WASHINGTON, D.C. LOS ANGELES 20 N Wacker Drive, Suite 2035 75 W. Front Street, Suite 5 6010 Executive Blvd., Suite 503 350 S. Figueroa Street, Suite 550 Chicago, IL 60606 Red Bank, New Jersey 07701 Rockville, MD 20852 Los Angeles, CA 90071

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