Tier 1 Risk Based Ratio

TIER 1 RISK BASED RATIO Measures Tier 1 capital as a percentage of risk-weighted assets. It has to be at least 4 percent for a bank to be considered adequately capitalized and 6 percent to be considered well capitalized. BANK FBOP Corporation First Chicago Bancorp Mercantile Bancorp, Inc. (MBR) Broadway Bancorp, Inc. AMCORE Financial, Inc. (AMFI) Bank of Highland Park Financial Corporation American Chartered Bancorp, Inc. Midwest Banc Holdings, Inc. (MBHI) Inland Bancorp, Inc. Parkway Bancorp, Inc. First American Bank Corporation Wintrust Financial Corporation (WTFC) NRBC Holding Corporation Alpine Bancorporation, Inc. Harris Bankcorp, Inc. (BMO) ShoreBank Corporation Taylor Capital Group, Inc. (TAYC) Old Second Bancorp, Inc. (OSBC) Hometown Community Bancorp, Inc. First Busey Corporation (BUSE) Banterra Corp West Suburban Bancorp, Inc. (WNRP) Heartland Bancorp, Inc. Princeton National Bancorp, Inc. (PNBC) Standard Bancshares, Inc. Marquette National Corporation (MNAT) QCR Holdings, Inc. (QCRH) MB Financial, Inc. (MBFI) PrivateBancorp, Inc. (PVTB) Bridgeview Bancorp, Inc. Republic Bancorp Co. First Midwest Bancorp, Inc. (FMBI) Northern Trust Corporation (NTRS) Lakeside Bancorp, Inc. Banc Ed Corp. Metropolitan Bank Group, Inc. First Mid-Illinois Bancshares, Inc. (FMBH) Midland States Bancorp, Inc. Cummins-American Corp. Discover Financial Services (DFS)

HEADQUARTERS Oak Park Chicago Quincy Chicago Rockford Highland Park Schaumburg Melrose Park Oak Brook Harwood Heights Elk Grove Village Lake Forest Chicago Belvidere Chicago Chicago Rosemont Aurora Morton Urbana Eldorado Lombard Bloomington Princeton Hickory Hills Chicago Moline Chicago Chicago Chicago Oak Brook Itasca Chicago Chicago Edwardsville Chicago Mattoon Effingham Glenview Riverwoods

TIER 1 RISK BASED RATIO (%) 2009Q2 2009Q1 0.37 4.27 4.52 4.56 5.81 6.32 6.49 7.2 7.56 7.98 8.39 8.91 8.91 9.16 9.5 9.62 9.67 9.94 9.94 10.06 10.23 10.55 10.59 10.74 10.85 11.36 11.4 11.88 11.95 12.22 12.22 12.38 12.59 12.6 12.9 14.14 16.46 16.5 16.73 18.85 NA

2008Q2 2.96 7.09 6.29 6.7 6.07 6.15 6.66 7.39 7.25 7.89 8.39 9.06 8.24 NA 9.57 9.69 10.28 10.07 10.67 10.28 10.48 10.09 10.72 10.53 10.79 7.85 11.37 11.61 11.48 10.14 11.96 11.72 11.85 13.02 12.75 12.14 11.82 14.13 10.59 17.21 NA

Note: Noncurrent loans include nonaccrual loans and loans more than 90 days past due Data based on regulatory filings as of August 27, 2009. All commercial banks, savings banks, and savings institutions in the Chicago-Naperville-Joliet, IL-IN-WI MSA are taken into consideration Source: SNL Financial

8.85 8.36 7.45 10.82 8.47 7.54 6.58 9.09 9.86 8.44 8.77 8.73 10.15 9.63 9.6 8.63 7.8 9.18 8.93 10.38 11.06 9.76 7.92 8.11 10.2 8.18 9.58 10.83 9.43 12.78 9.29 9.83 13.29 12.89 12.24 10.78 14.36 14.7