Deputy Seminar, Chicago, IL

Net Loss to Average Total Loans & Leases

1.90%

As of 3/31/2018: Net Loss of 1.99% (or 16.8MM) would result in TRBC Ratio falling to 9.998% (BLACK LINE)

1.40%

As of 12/31/2017: Net Loss of 1.28% (or 10.5MM), would result in TRBC Ratio dropping to 9.997% (ORANGE LINE)

0.90%

0.40%

-0.10%

Bank Net Loss to Avg. Total Loans & Leases

Figure—8

Adversely Classified Items Coverage Ratio

50%

46%

43%

45%

40%

35%

30%

25%

25%

19%

20%

15%

13%

15%

11%

10%

10%

10%

6%

5%

0%

2010Q1 State

2011Q1 FDIC

2012Q3 State

2013Q3 FDIC

2014Q4 State

2016Q2 FDIC

2017Q4 State

2006Q2 FDIC

2007Q3 State

2009Q1 FDIC

Figure—9