BankFinancial CORP - FORM 8-K - EX-99.2

Attached files

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8-K - 8-K - BankFinancial CORP	bfin201308068k.htm
EX-99.1 - EX-99.1 - BankFinancial CORP	bfin20130805exhibit991pr.htm

Exhibit 99.2

BANKFINANCIAL CORPORATION

SECOND QUARTER 2013

QUARTERLY FINANCIAL AND STATISTICAL SUPPLEMENT

FOR THE LATEST FIVE QUARTERS

Note: Certain reclassifications have been made in the prior period’s financial statements and reflected in the Selected Quarterly Financial and Statistical Data tables to conform to the current period’s presentation.

The information and statistical data contained herein have been prepared by BankFinancial Corporation and have been derived or calculated from selected quarterly and period–end historical financial statements prepared in accordance with accounting principles generally accepted in the United States. BankFinancial Corporation is under no obligation to update, keep current, or continue to provide the information contained herein. This information is provided solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or establish any business relationships with BankFinancial Corporation or its subsidiary.

BANKFINANCIAL CORPORATION

SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA

Latest Five Quarters

(Dollars in thousands; except per share) – (Unaudited)



	2013						2012
	IIQ			IQ			IVQ			IIIQ			IIQ
PERFORMANCE MEASUREMENTS
Return on assets (ratio of net income (loss) to average total assets) ⁽¹⁾	0.02		%	0.19		%	(6.66		)%	(1.39		)%	0.21		%
Return on equity (ratio of net income (loss) to average equity)⁽¹⁾	0.17			1.55			(50.32		)	(10.20		)	1.56
Net interest rate spread ⁽¹⁾	3.25			3.39			3.51			3.69			4.04
Net interest margin ⁽¹⁾	3.31			3.45			3.58			3.76			4.11
Efficiency ratio, less goodwill impairment	97.81			90.40			104.78			105.04			87.07
Noninterest expense to average total assets, less goodwill impairment⁽¹⁾	3.46			3.61			4.05			4.26			3.68
Average interest–earning assets to average interest–bearing liabilities	121.24			120.81			123.20			123.54			123.50
Number of full service offices	20			20			20			20			20
Employees (full time equivalents)	308			347			352			347			350

SUMMARY STATEMENT OF FINANCIAL CONDITION
ASSETS
Cash and due from other financial institutions	$	18,303		$	17,742		$	20,361		$	19,619		$	17,679
Interest-bearing deposits in other financial institutions	293,790			293,386			255,403			217,110			203,028
Securities, at fair value	53,014			61,273			77,832			81,748			75,040
Loans held-for-sale	276			55			2,166			551			505
Loans receivable, net	1,012,316			1,004,404			1,030,465			1,080,489			1,118,928
Other real estate owned, net	6,262			8,088			10,358			14,994			17,251
Stock in Federal Home Loan Bank, at cost	6,068			7,566			8,412			9,067			10,160
Premises and equipment, net	36,830			37,530			38,251			38,555			38,934
Intangible assets	2,732			2,882			3,038			3,195			3,351
Bank owned life insurance	21,797			21,715			21,645			21,562			21,453
FDIC prepaid expense	—			2,188			2,658			3,118			3,738
Income tax receivable	—			—			461			461			694
Other assets	9,744			9,306			10,142			9,403			11,433
Total assets	$	1,461,132		$	1,466,135		$	1,481,192		$	1,499,872		$	1,522,194

LIABILITIES AND STOCKHOLDERS’ EQUITY
Deposits	$	1,262,096		$	1,271,550		$	1,282,351		$	1,278,196		$	1,289,467
Borrowings	2,940			2,740			5,567			6,946			10,081
Other liabilities	22,867			18,206			20,384			16,733			19,703
Total liabilities	1,287,903			1,292,496			1,308,302			1,301,875			1,319,251
Stockholders’ equity	173,229			173,639			172,890			197,997			202,943
Total liabilities and stockholders’ equity	$	1,461,132		$	1,466,135		$	1,481,192		$	1,499,872		$	1,522,194

(1)Annualized

Page 2

BANKFINANCIAL CORPORATION

SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA

Latest Five Quarters

(Dollars in thousands; except per share) – (Unaudited)



	2013						2012
	IIQ			IQ			IVQ			IIIQ			IIQ
SUMMARY STATEMENT OF OPERATIONS
Total interest income	$	12,276		$	12,713		$	13,801		$	14,468		$	15,824
Total interest expense	935			994			1,059			1,036			1,112
Net interest income before provision	11,341			11,719			12,742			13,432			14,712
Provision for loan losses	206			722			24,328			4,453			1,745
Net interest income	11,135			10,997			(11,586		)	8,979			12,967
Noninterest income	1,509			2,866			1,771			1,831			1,418
Noninterest expense	12,568			13,185			15,207			16,032			14,044
Income (loss) before income tax	76			678			(25,022		)	(5,222		)	341
Income tax expense (benefit)	—			—			—			—			(457		)
Net income (loss)	$	76		$	678		$	(25,022	)	$	(5,222	)	$	798
Basic earnings (loss) per common share	$	—		$	0.03		$	(1.25	)	$	(0.26	)	$	0.04
Diluted earnings (loss) per common share	$	—		$	0.03		$	(1.25	)	$	(0.26	)	$	0.04

NONINTEREST INCOME AND EXPENSE
Noninterest Income
Deposit service charges and fees	$	509		$	499		$	550		$	548		$	521
Other fee income	410			375			380			374			383
Insurance commissions and annuities income	86			109			151			125			112
Gain on sales of loans, net	(4		)	1,417			246			210			118
Gain (loss) on disposition of premises and equipment	—			—			8			(7		)	(157		)
Loan servicing fees	114			123			115			124			119
Amortization of servicing assets	(85		)	(59		)	(68		)	(61		)	(67		)
Recovery (impairment) of servicing assets	9			26			(17		)	6			(31		)
Earnings on bank owned life insurance	82			70			83			109			120
Trust income	183			181			188			171			190
Other	205			125			135			232			110
Total noninterest income	$	1,509		$	2,866		$	1,771		$	1,831		$	1,418

Noninterest Expense
Compensation and benefits	$	6,686		$	6,752		$	6,278		$	6,353		$	6,481
Office occupancy and equipment	1,805			1,948			2,019			1,904			2,105
Advertising and public relations	268			146			258			145			224
Information technology	816			749			813			880			825
Supplies, telephone, and postage	403			461			413			372			362
Amortization of intangibles	150			156			156			156			157
Nonperforming asset management	655			694			1,126			1,728			1,117
Loss (gain) on sales of other real estate owned	49			69			379			(42		)	54
Valuation adjustments of other real estate owned	141			89			1,783			2,352			1,036
Operations of other real estate owned	232			353			344			432			601
FDIC insurance premiums	477			492			480			642			309
Other	886			1,276			1,158			1,110			773
Total noninterest expense	$	12,568		$	13,185		$	15,207		$	16,032		$	14,044

Page 3

BANKFINANCIAL CORPORATION

SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA

Latest Five Quarters

(Dollars in thousands; except per share) – (Unaudited)



	2013						2012
	IIQ			IQ			IVQ			IIIQ			IIQ
LOANS
One–to–four family residential real estate loans	$	200,181		$	209,540		$	218,596		$	238,810		$	252,034
Multi–family mortgage loans	353,924			338,502			352,019			374,164			390,112
Nonresidential real estate loans	255,429			261,207			264,672			288,976			299,567
Construction and land loans	7,152			6,933			8,552			13,774			15,391
Commercial loans	51,701			55,362			61,388			61,053			68,510
Commercial leases	157,606			147,168			139,783			121,200			121,356
Consumer loans	2,622			2,414			2,745			2,273			2,055
	1,028,615			1,021,126			1,047,755			1,100,250			1,149,025
Net deferred loan origination costs	798			731			745			827			781
Allowance for loan losses	(17,097		)	(17,453		)	(18,035		)	(20,588		)	(30,878		)
Loans, net	$	1,012,316		$	1,004,404		$	1,030,465		$	1,080,489		$	1,118,928

LOAN ORIGINATIONS ⁽¹⁾
One–to–four family residential real estate loans	$	3,698		$	4,601		$	3,864		$	3,785		$	4,653
Multi–family mortgage loans	30,325			7,108			3,453			6,843			2,132
Nonresidential real estate loans	5,150			9,298			10,464			1,253			7,497
Construction and land loans	366			55			—			18			33
Commercial loans	43,745			45,822			42,352			37,898			33,388
Commercial leases	30,854			30,047			37,893			20,748			17,111
Consumer loans	1,090			874			1,262			1,253			932
	$	115,228		$	97,805		$	99,288		$	71,798		$	65,746

LOAN PAYMENTS and PAYOFFS⁽²⁾
One–to–four family residential real estate loans	$	11,072		$	13,365		$	14,102		$	13,409		$	15,320
Multi–family mortgage loans	15,988			20,485			19,366			20,384			23,684
Nonresidential real estate loans	10,691			12,318			20,874			5,808			13,267
Construction and land loans	140			892			1,435			78			1,448
Commercial loans	46,861			51,984			40,864			42,200			46,617
Commercial leases	20,422			24,685			17,194			20,909			20,046
Consumer loans	913			886			1,024			970			1,134
	$	106,087		$	124,615		$	114,859		$	103,758		$	121,516

LOAN PAYMENTS and PAYOFFS (Loans rated 5 or higher) ⁽²⁾
One–to–four family residential real estate loans	$	1,761		$	1,362		$	2,873		$	2,446		$	2,861
Multi–family mortgage loans	6,346			4,025			7,291			2,747			4,127
Nonresidential real estate loans	5,210			4,913			10,930			1,661			7,666
Construction and land loans	90			842			1,345			34			2
Commercial loans	2,807			6,480			7,720			7,150			8,206
Commercial leases	—			—			32			54			165
Consumer loans	—			2			9			6			7
	$	16,214		$	17,624		$	30,200		$	14,098		$	23,034

(1) Loan originations include draws on revolving lines of credit and exclude loan renewals.

(2) Loan payments and payoffs exclude loan renewals.

Page 4

BANKFINANCIAL CORPORATION

SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA

Latest Five Quarters

(Dollars in thousands; except per share) – (Unaudited)



	2013						2012
	IIQ			IQ			IVQ			IIIQ			IIQ
CREDIT QUALITY:
Nonperforming Assets:
Nonaccrual loans:
One–to–four family residential real estate loans	$	5,399		$	5,988		$	7,299		$	11,334		$	14,214
Multi–family mortgage loans	12,204			10,822			3,517			11,501			12,640
Nonresidential real estate loans	7,037			6,182			8,985			25,541			30,096
Construction and land loans	1,601			1,575			2,210			3,584			4,005
Commercial loans	689			883			256			747			3,533
Commercial leases	—			—			—			68			159
Consumer loans	1			11			—			6			13
Nonaccrual loans	26,931			25,461			22,267			52,781			64,660

Loans held-for-sale	15			15			1,752			—			—

Other real estate owned:
One–to–four family residential real estate loans	1,316			1,515			1,760			2,420			3,365
Multi–family real estate	—			—			720			1,985			2,645
Nonresidential real estate	1,757			2,896			3,504			4,244			4,496
Land	933			1,144			1,323			1,761			1,665
Other real estate owned	4,006			5,555			7,307			10,410			12,171
Nonperforming assets (excluding purchase impaired loans and purchased other real estate owned)	30,952			31,031			31,326			63,191			76,831

Purchased impaired loans:
One–to–four family residential real estate loans	$	396		$	388		$	380		$	2,125		$	2,297
Multi–family mortgage loans	—			—			—			1,528			1,491
Nonresidential real estate loans	1,607			2,554			2,568			2,610			2,661
Construction and land loans	997			1,021			1,021			1,634			2,324
Commercial loans	21			21			20			357			677
Purchased impaired loans	3,021			3,984			3,989			8,254			9,450
Purchased other real estate owned:
One–to–four family residential real estate	179			205			320			320			535
Nonresidential real estate	372			372			462			577			927
Land	1,705			1,956			2,269			3,687			3,618
Purchased other real estate owned	2,256			2,533			3,051			4,584			5,080
Purchased impaired loans and OREO	5,277			6,517			7,040			12,838			14,530
Nonperforming assets	$	36,229		$	37,548		$	38,366		$	76,029		$	91,361

Asset Quality Ratios
Nonperforming assets to total assets	2.48		%	2.56		%	2.59		%	5.07		%	6.00		%
Nonperforming assets to total assets ⁽¹⁾	2.12			2.12			2.11			4.21			5.05
Nonaccrual loans to total loans	2.91			2.89			2.67			5.55			6.45
Nonaccrual loans to total loans ⁽¹⁾	2.62			2.49			2.29			4.80			5.63
Allowance for loan losses to nonaccrual loans	57.05			59.24			64.39			33.73			41.67
Allowance for loan losses to nonaccrual loans ⁽¹⁾	63.45			68.51			75.09			39.01			47.75


(1)	Asset quality ratios exclude purchased impaired loans and acquired other real estate owned resulting from the Downers Grove National Bank merger.

Page 5

BANKFINANCIAL CORPORATION

SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA

Latest Five Quarters

(Dollars in thousands; except per share) – (Unaudited)



	2013						2012
	IIQ			IQ			IVQ			IIIQ			IIQ
PERFORMING LOANS GREATER THAN 30 DAYS PAST DUE
30 – 59 days past due	$	2,001		$	4,539		$	8,100		$	3,810		$	1,448
60 – 89 days past due	268			425			2,652			230			108
Matured Loans	1,839			2,670			3,550			7,801			2,553
	$	4,108		$	7,634		$	14,302		$	11,841		$	4,109

ALLOWANCE FOR LOAN LOSSES
Beginning balance	$	17,453		$	18,035		$	20,588		$	30,878		$	31,638
Charge offs:
One–to–four family residential real estate loans	(176		)	(369		)	(7,958		)	(3,145		)	(591		)
Multi–family mortgage loans	(374		)	(236		)	(4,355		)	(2,159		)	(135		)
Nonresidential real estate loans	(153		)	(79		)	(10,097		)	(5,435		)	(2,202		)
Construction and land loans	—			(927		)	(3,273		)	(806		)	(185		)
Commercial loans	(213		)	(19		)	(1,255		)	(3,536		)	(31		)
Commercial leases	—			—			(53		)	(68		)	—
Consumer loans	(12		)	—			(8		)	(72		)	(11		)
	(928		)	(1,630		)	(26,999		)	(15,221		)	(3,155		)
Recoveries:
One–to–four family residential real estate loans	85			242			41			7			74
Multi–family mortgage loans	159			57			48			11			96
Nonresidential real estate loans	103			19			6			7			284
Construction and land loans	1			2			2			6			58
Commercial loans	16			5			16			421			132
Commercial leases	—			—			—			—			—
Consumer loans	2			1			5			26			6
	366			326			118			478			650
Net charge–offs	(562		)	(1,304		)	(26,881		)	(14,743		)	(2,505		)
Provision for loan losses	206			722			24,328			4,453			1,745
Ending balance	$	17,097		$	17,453		$	18,035		$	20,588		$	30,878

Allowance for loan losses to total loans	1.66		%	1.71		%	1.72		%	1.87		%	2.69		%
Net charge–off ratio ⁽¹⁾	0.22			0.51			9.97			5.24			0.85


(1)	Annualized

Page 6

BANKFINANCIAL CORPORATION

SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA

Latest Five Quarters

(Dollars in thousands; except per share) – (Unaudited)



	2013						2012
	IIQ			IQ			IVQ			IIIQ			IIQ
DEPOSITS
Noninterest–bearing demand	$	137,146		$	131,856		$	134,597		$	134,474		$	140,801
Savings deposits	147,758			148,184			144,726			143,212			144,875
Money market accounts	340,243			345,591			349,092			346,989			347,889
Interest–bearing NOW accounts	349,942			348,059			348,683			340,425			336,629
Certificates of deposits	287,007			297,860			305,253			313,096			319,273
	$	1,262,096		$	1,271,550		$	1,282,351		$	1,278,196		$	1,289,467
SELECTED AVERAGE BALANCES
Total average assets	$	1,453,413		$	1,462,119		$	1,503,759		$	1,504,438		$	1,525,626
Total average interest–earning assets	1,373,855			1,379,156			1,416,629			1,419,829			1,440,147
Average loans	1,014,591			1,028,907			1,078,708			1,125,600			1,184,803
Average securities	57,022			73,284			80,485			74,260			77,077
Average stock in FHLB	6,809			8,026			8,761			9,614			10,741
Average other interest–earning assets	295,433			268,939			248,675			210,355			167,526
Total average interest–bearing liabilities	1,133,159			1,141,625			1,149,888			1,149,304			1,166,111
Average interest–bearing deposits	1,130,294			1,138,438			1,143,586			1,141,855			1,156,355
Average borrowings	2,865			3,187			6,302			7,449			9,756
Average stockholders’ equity	174,643			174,766			198,908			204,857			204,709

SELECTED YIELDS AND COST OF FUNDS ^(1):
Total average interest–earning assets	3.58		%	3.74		%	3.88		%	4.05		%	4.42		%
Average loans	4.69			4.84			4.91			4.94			5.20
Average securities	1.54			1.39			1.55			1.83			2.02
Average other interest–earning assets	0.27			0.27			0.41			0.26			0.28
Total average interest–bearing liabilities	0.33			0.35			0.26			0.36			0.38
Average interest–bearing deposits	0.33			0.35			0.36			0.35			0.38
Average borrowings	0.28			1.02			1.52			1.39			1.15
Net interest rate spread	3.25			3.39			3.51			3.69			4.04
Net interest margin	3.31			3.45			3.58			3.76			4.11

(1) Annualized

Page 7

BANKFINANCIAL CORPORATION

SELECTED QUARTERLY FINANCIAL AND STATISTICAL DATA

Latest Five Quarters

(Dollars in thousands; except per share) – (Unaudited)



	2013						2012
	IIQ			IQ			IVQ			IIIQ			IIQ
CAPITAL RATIOS
BankFinancial Corporation
Equity to total assets (end of period)	11.86		%	11.84		%	11.67		%	13.20		%	13.33		%
Tangible equity to tangible total assets (end of period)	11.72			11.67			11.49			13.02			13.14
Risk–based total capital ratio	18.38			18.59			18.01			19.53			19.16
Risk–based tier 1 capital ratio	17.12			17.33			16.75			18.27			17.90
Tier 1 leverage ratio	11.66			11.62			11.43			12.95			13.07
Tier 1 capital	$	169,823		$	169,763		$	168,734		$	193,517		$	198,213
BankFinancial FSB
Risk–based total capital ratio	15.74		%	15.84		%	15.32		%	16.96		%	16.67		%
Risk–based tier 1 capital ratio	14.48			14.59			14.07			15.70			15.40
Tier 1 leverage ratio	9.86			9.77			9.60			11.13			11.25
Tier 1 capital	$	143,589		$	142,861		$	141,629		$	166,248		$	170,573

COMMON STOCK AND DIVIDENDS
Stock Prices:
Close	$	8.50		$	8.09		$	7.42		$	8.79		$	7.53
High	8.71			8.40			8.85			9.24			7.56
Low	7.19			7.19			6.62			7.31			5.66
Book value per share	$	8.21		$	8.24		$	8.20		$	9.40		$	9.64
Tangible book value per share	$	8.08		$	8.10		$	8.06		$	9.24		$	9.47
Cash dividends declared on common stock	$	0.02		$	—		$	—		$	0.01		$	0.01
Stock repurchases	$	—		$	—		$	—		$	—		$	—
Stock repurchases – shares	—			—			—			—			—

EARNINGS PER SHARE COMPUTATIONS
Net income (loss)	$	76		$	678		$	(25,022	)	$	(5,222	)	$	798
Average common shares outstanding	21,088,263			21,072,966			21,072,966			21,072,966			21,072,966
Less: Unearned ESOP shares	(1,084,709		)	(1,108,938		)	(1,133,374		)	(1,157,974		)	(1,209,023		)
Unvested restricted stock shares	(13,797		)	—			—			—			(3,524		)
Weighted average common shares outstanding	19,989,757			19,964,028			19,939,592			19,914,992			19,860,419
Plus: Dilutive common shares equivalents	556			—			—			—			—
Weighted average dilutive common shares outstanding	19,990,313			19,964,028			19,939,592			19,914,992			19,860,419
Number of anti–dilutive stock options excluded from the diluted earnings per share calculation	—			—			—			141,000			1,881,053
Weighted average exercise price of anti–dilutive options	$	—		$	—		$	—		$	17.21		$	16.58
Basic earnings (loss) per common share	$	—		$	0.03		$	(1.25	)	$	(0.26	)	$	0.04
Diluted earnings (loss) per common share	$	—		$	0.03		$	(1.25	)	$	(0.26	)	$	0.04

Page 8

BANKFINANCIAL CORPORATION

NON–GAAP FINANCIAL MEASURES

BankFinancial Corporation, a Maryland corporation (“the Company”) utilizes a number of different financial measures, both GAAP and non–GAAP, in making operating, budgeting and planning decisions for future periods. Generally, a non–GAAP financial measure is a numerical measure of a company’s performance, financial position or cash flows that either excludes or includes amounts that are not normally excluded or included in the most directly comparable measure calculated and presented in accordance with generally accepted accounting principles in the United States, or GAAP. The Company believes that the use of the non–GAAP financial measures described below provides the Board of Directors and management, and may provide some investors, with a more complete understanding of the Company’s operating results and trends, and facilitate comparisons to historical and peer performance. The Company’s non–GAAP financial measures should be considered supplemental in nature and should not be considered in isolation, or as superior to or a substitute for, financial measures that are prepared in accordance with GAAP. In addition, the Company’s non–GAAP financial measures may differ from similar non–GAAP financial measures that are used by other companies, thus limiting their usefulness as a comparative tool.

These measures include pre–tax pre–provision earnings from core operations and pre–tax pre–provision earnings from core operations to average total assets. Management believes that by excluding gain on sale of owner-occupied and investor-owned one-to-four family residential loans that we designated as held for sale from noninterest income, and other real estate owned related income and expense items and nonperforming asset management expenses from noninterest expense, these measures better reflect our core operating performance.

Page 9

BANKFINANCIAL CORPORATION

NON-GAAP FINANCIAL MEASURES

(Dollars in thousands, except per share) - (Unaudited)



	Three Months Ended June 30,						Six Months Ended June 30,
	2013			2012			2013			2012
Pre–tax pre–provision earnings from core operations
Loss before income taxes	$	76		$	341		$	754		$	3,135
Provision for loan losses	206			1,745			928			2,741
	282			2,086			1,682			5,876
Adjustments:
Gain on sale of owner-occupied and investor-owned one-to-four family residential loans designated as held for sale	(40		)	—			(1,340		)	—
Nonperforming asset management	655			1,117			1,349			2,357
Loss on sale of other real estate owned	49			54			118			(84		)
Valuation adjustments of other real estate owned	141			1,036			230			1,425
Operations of other real estate owned	232			601			585			902
Adjustments	1,037			2,808			942			4,600
Pre–tax pre–provision earnings from core operations	$	1,319		$	4,894		$	2,624		$	10,476

Pre–tax pre–provision earnings from core operations to average total assets (1)	0.36		%	1.28		%	0.36		%	1.37		%


(1)	Annualized

Page 10

BANKFINANCIAL CORPORATION

NON-GAAP FINANCIAL MEASURES

(Dollars in thousands, except per share) - (Unaudited)

FOR THE LATEST FIVE QUARTERS



	2013						2012
	IIQ			IQ			IVQ			IIIQ			IIQ
Pre–tax pre–provision earnings from core operations
Income (loss) before income taxes	$	76		$	678		$	(25,022	)	$	(5,222	)	$	341
Provision for loan losses	206			722			24,328			4,453			1,745
	282			1,400			(694		)	(769		)	2,086
Adjustments:
Gain on sale of owner-occupied and investor-owned one-to-four family residential loans designated as held for sale	(40		)	(1,300		)	—			—			—
Nonperforming asset management	655			694			1,126			1,728			1,117
Loss (gain) on sale of other real estate owned	49			69			379			(42		)	54
Valuation adjustments of other real estate owned	141			89			1,783			2,352			1,036
Operations of other real estate owned	232			353			344			432			601
	1,037			(95		)	3,632			4,470			2,808
Pre–tax pre–provision earnings from core operations	$	1,319		$	1,305		$	2,938		$	3,701		$	4,894

Pre–tax pre–provision earnings from core operations to average total assets (1)	0.36		%	0.36		%	0.78		%	0.98		%	1.28		%


(1)	Annualized

Page 11

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