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COMMUNITY BANK LANDSCAPE Illinois 1St Quarter 2019

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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) 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) (%) (%) (%) 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) 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.
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