mb company quarterly 2q 2013

4
mb 2Q.2013 Company Quarterly Results for June 30, 2013 MB Financial, Inc. is the Chicago-based holding company of MB Financial Bank, N.A. We are defined by an over 100-year tradition of delivering a healthy blend of high-caliber service and financial solutions to privately-held, middle-market businesses and individuals, who live and work in the communities we serve. While our product suite grows, the constant is our commitment to be the best bank for our clients, communities, employees and shareholders. This Company Quarterly provides a snapshot of our efforts toward that achievement.

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Page 1: MB Company Quarterly 2Q 2013

mb 2 Q.2013Company QuarterlyResults for June 30, 2013

MB Financial, Inc. is the Chicago-based holding company of MB Financial

Bank, N.A. We are defined by an over 100-year tradition of delivering a healthy

blend of high-caliber service and financial solutions to privately-held,

middle-market businesses and individuals, who live and work in the communities

we serve. While our product suite grows, the constant is our commitment to be

the best bank for our clients, communities, employees and shareholders. This

Company Quarterly provides a snapshot of our efforts toward that achievement.

Services

MB offers a full suite of products and services to help businesses and individuals realize their financial success.

Commercial BankingWorking Capital Lines of CreditReal Estate FinancingEquipment LoansBusiness Acquisition LoansBusiness Credit CardsHealth Care FinancingCommercial Project FinancingStandby Letters of CreditIndustrial Revenue and Development Bond Financing

Bridge LoansAsset-Based Lending

Capital Markets*Correspondent BankingCurrency Exchange BankingIndirect LendingInstitutional BankingInternational BankingLease BankingBusiness BankingEmployee BankingPayment Solutions

Wealth ManagementPrivate BankingPersonal Trust ServicesEstate Settlement ServicesSpecial Needs Trust ServicesGuardianshipsInvestment ManagementRetirement Plan ServicesPublic PensionsFinancial Planning ServicesCustodyTax-Deferred Exchanges**

Treasury Management SolutionsOnline BankingComprehensive Balance and Transaction ReportingACH OriginationControlled DisbursementCurrency VaultFunds TransferLockbox – Wholesale and RetailPositive Pay – ACH and CheckAccount ReconcilementRemote Cash ProcessingEscrow Sub AccountingRemote Deposit CaptureAutomated SweepsMerchant Card ProcessingPaying Agent ServiceBusiness Online Payroll

Personal BankingChecking AccountsSavings AccountsMoney Market and NOW AccountsCDs/IRAsHealth Savings AccountsCDARSMortgagesHome Equity LoansHome Equity Lines of CreditConsumer LoansInternet BankingOnline Bill PayInvestment Services***Personal Credit CardsPrepaid CardsATM Freedom

4 MB Financial, Inc. Company Quarterly | June 30, 2013

Member FDIC

*Offered through M&A Securities Group, Inc., a registered broker/dealer, member FINRA/SIPC.M&A Securities is not affiliated with MB Financial Bank or its related companies. The products offered: are not insured by FDIC or any other government agency, not a bank deposit, nobank guarantee, may lose value.

**Provided through MB Financial Deferred Exchange Corporation.

***Offered through Cetera Investment Services LLC, a registered broker/dealer, memberFINRA/SIPC. Cetera is not affiliated with MB Financial Bank or its related companies. Theproducts offered: are not insured by FDIC or any other government agency, not a bankdeposit, no bank guarantee, may lose value.

1.888.i bank mb (1.888.422.6562) www.mbfinancial.com

58217_MBQuarterly_58217_MBQuarterly.qxd 8/22/13 12:24 PM Page 1

Page 2: MB Company Quarterly 2Q 2013

June 30 March 31 December 31 September 302013 2013 2012 2012

Net interest income $ 67,480 $ 67,685 $ 69,516 $ 72,075Provision for credit losses 500 - 1,000 (13,000)Net interest income after provision 66,980 67,685 68,516 85,075Non-interest income 40,954 38,373 36,285 28,553Non-interest expense 72,268 71,099 71,106 81,165Income before income taxes 35,666 34,959 33,695 32,463Income taxes 10,373 10,053 9,683 9,330Net income $ 25,293 $ 24,906 $ 24,012 $ 23,133Diluted earnings per common share $ 0.46 $ 0.46 $ 0 .44 $ 0.42

MB’s total capital to risk-weightedassets significantly exceeds the Office of the Comptroller of theCurrency (OCC)’s “well-capitalized”threshold.

3

20.0%

15.0%

2012Q4

10.0%

5.0%

0.0%2013Q12013Q2 2012Q3

Total capital to risk-weighted assets

OCC “well- capitalized”

Income statement (in thousands, except per share data)

• As of June 30, 2013, total capital exceeded well capitalized limits by $419 million.

Three Months Ended

Note: It was announced in the second quarter of 2013 that MB Financial, Inc. and Taylor Capital Group, Inc. signed adefinitive merger agreement. Taylor Capital is the $5.9 billion holding company of Cole Taylor Bank, a commercial bankheadquartered in Chicago. Cole Taylor Bank is expected to merge into MB Financial Bank, establishing the premiercommercial bank serving middle-market businesses and their owners in the Chicago metropolitan area. The deal is expected to close in the first half of 2014.

• Grow our primary business lines • Deliver elite customer service• Provide customers with the right mix of financial solutions • Recruit, develop and retain top talent• Invest in key technologies

Company strategy

Balance sheet (in thousands)

June 30 March 31 December 31 September 302013 2013 2012 2012

AssetsCash and cash equivalents $ 432,920 $ 240,031 $ 287,543 $ 456,627Investment securities 2,232,976 2,382,388 2,416,977 2,368,476Net loans 5,544,502 5,585,866 5,642,726 5,503,663Other assets 1,159,261 1,177,545 1,224,559 1,134,779

Total assets $ 9,369,659 $ 9,385,830 $ 9,571,805 $ 9,463,545

Liabilities and Stockholders’ EquityLiabilitiesDeposits $ 7,445,396 $ 7,451,906 $ 7,542,697 $ 7,479,347Borrowings 445,398 440,463 488,717 560,476Other liabilities 182,784 198,658 264,621 162,892Total liabilities 8,073,578 8,091,027 8,296,035 8,202,715Total stockholders’ equity 1,296,081 1,294,803 1,275,770 1,260,830

Total liabilities and stockholders’ equity $ 9,369,659 $ 9,385,830 $ 9,571,805 $ 9,463,545

Return on average assets

2 MB Financial, Inc. Company Quarterly | June 30, 2013

1.00%

0.80%

2012Q4

0.60%

0.40%

0.20%

0.00%2013Q1 2012Q32013Q2

58217_MBQuarterly_58217_MBQuarterly.qxd 8/22/13 12:24 PM Page 3

Page 3: MB Company Quarterly 2Q 2013

June 30 March 31 December 31 September 302013 2013 2012 2012

Net interest income $ 67,480 $ 67,685 $ 69,516 $ 72,075Provision for credit losses 500 - 1,000 (13,000)Net interest income after provision 66,980 67,685 68,516 85,075Non-interest income 40,954 38,373 36,285 28,553Non-interest expense 72,268 71,099 71,106 81,165Income before income taxes 35,666 34,959 33,695 32,463Income taxes 10,373 10,053 9,683 9,330Net income $ 25,293 $ 24,906 $ 24,012 $ 23,133Diluted earnings per common share $ 0.46 $ 0.46 $ 0 .44 $ 0.42

MB’s total capital to risk-weightedassets significantly exceeds the Office of the Comptroller of theCurrency (OCC)’s “well-capitalized”threshold.

3

20.0%

15.0%

2012Q4

10.0%

5.0%

0.0%2013Q12013Q2 2012Q3

Total capital to risk-weighted assets

OCC “well- capitalized”

Income statement (in thousands, except per share data)

• As of June 30, 2013, total capital exceeded well capitalized limits by $419 million.

Three Months Ended

Note: It was announced in the second quarter of 2013 that MB Financial, Inc. and Taylor Capital Group, Inc. signed adefinitive merger agreement. Taylor Capital is the $5.9 billion holding company of Cole Taylor Bank, a commercial bankheadquartered in Chicago. Cole Taylor Bank is expected to merge into MB Financial Bank, establishing the premiercommercial bank serving middle-market businesses and their owners in the Chicago metropolitan area. The deal is expected to close in the first half of 2014.

• Grow our primary business lines • Deliver elite customer service• Provide customers with the right mix of financial solutions • Recruit, develop and retain top talent• Invest in key technologies

Company strategy

Balance sheet (in thousands)

June 30 March 31 December 31 September 302013 2013 2012 2012

AssetsCash and cash equivalents $ 432,920 $ 240,031 $ 287,543 $ 456,627Investment securities 2,232,976 2,382,388 2,416,977 2,368,476Net loans 5,544,502 5,585,866 5,642,726 5,503,663Other assets 1,159,261 1,177,545 1,224,559 1,134,779

Total assets $ 9,369,659 $ 9,385,830 $ 9,571,805 $ 9,463,545

Liabilities and Stockholders’ EquityLiabilitiesDeposits $ 7,445,396 $ 7,451,906 $ 7,542,697 $ 7,479,347Borrowings 445,398 440,463 488,717 560,476Other liabilities 182,784 198,658 264,621 162,892Total liabilities 8,073,578 8,091,027 8,296,035 8,202,715Total stockholders’ equity 1,296,081 1,294,803 1,275,770 1,260,830

Total liabilities and stockholders’ equity $ 9,369,659 $ 9,385,830 $ 9,571,805 $ 9,463,545

Return on average assets

2 MB Financial, Inc. Company Quarterly | June 30, 2013

1.00%

0.80%

2012Q4

0.60%

0.40%

0.20%

0.00%2013Q1 2012Q32013Q2

58217_MBQuarterly_58217_MBQuarterly.qxd 8/22/13 12:24 PM Page 3

Page 4: MB Company Quarterly 2Q 2013

mb 2 Q.2013Company QuarterlyResults for June 30, 2013

MB Financial, Inc. is the Chicago-based holding company of MB Financial

Bank, N.A. We are defined by an over 100-year tradition of delivering a healthy

blend of high-caliber service and financial solutions to privately-held,

middle-market businesses and individuals, who live and work in the communities

we serve. While our product suite grows, the constant is our commitment to be

the best bank for our clients, communities, employees and shareholders. This

Company Quarterly provides a snapshot of our efforts toward that achievement.

Services

MB offers a full suite of products and services to help businesses and individuals realize their financial success.

Commercial BankingWorking Capital Lines of CreditReal Estate FinancingEquipment LoansBusiness Acquisition LoansBusiness Credit CardsHealth Care FinancingCommercial Project FinancingStandby Letters of CreditIndustrial Revenue and Development Bond Financing

Bridge LoansAsset-Based Lending

Capital Markets*Correspondent BankingCurrency Exchange BankingIndirect LendingInstitutional BankingInternational BankingLease BankingBusiness BankingEmployee BankingPayment Solutions

Wealth ManagementPrivate BankingPersonal Trust ServicesEstate Settlement ServicesSpecial Needs Trust ServicesGuardianshipsInvestment ManagementRetirement Plan ServicesPublic PensionsFinancial Planning ServicesCustodyTax-Deferred Exchanges**

Treasury Management SolutionsOnline BankingComprehensive Balance and Transaction ReportingACH OriginationControlled DisbursementCurrency VaultFunds TransferLockbox – Wholesale and RetailPositive Pay – ACH and CheckAccount ReconcilementRemote Cash ProcessingEscrow Sub AccountingRemote Deposit CaptureAutomated SweepsMerchant Card ProcessingPaying Agent ServiceBusiness Online Payroll

Personal BankingChecking AccountsSavings AccountsMoney Market and NOW AccountsCDs/IRAsHealth Savings AccountsCDARSMortgagesHome Equity LoansHome Equity Lines of CreditConsumer LoansInternet BankingOnline Bill PayInvestment Services***Personal Credit CardsPrepaid CardsATM Freedom

4 MB Financial, Inc. Company Quarterly | June 30, 2013

Member FDIC

*Offered through M&A Securities Group, Inc., a registered broker/dealer, member FINRA/SIPC.M&A Securities is not affiliated with MB Financial Bank or its related companies. The products offered: are not insured by FDIC or any other government agency, not a bank deposit, nobank guarantee, may lose value.

**Provided through MB Financial Deferred Exchange Corporation.

***Offered through Cetera Investment Services LLC, a registered broker/dealer, memberFINRA/SIPC. Cetera is not affiliated with MB Financial Bank or its related companies. Theproducts offered: are not insured by FDIC or any other government agency, not a bankdeposit, no bank guarantee, may lose value.

1.888.i bank mb (1.888.422.6562) www.mbfinancial.com

58217_MBQuarterly_58217_MBQuarterly.qxd 8/22/13 12:24 PM Page 1