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Letter portraitLegal landscapeQuarterYTD

C. P. Burnett & Sons, Bankers

Eldorado, IL · Cert 1041

FDIC

Q3 2006

$46.7MAssets
$10.7MLoans
$39.3MDeposits
$4.6MEquity
Loan mix
93%RE $7.6M7%C&I $0.5M1%Consumer $0.1MQ3 2005Q3 2006
Deposit mix
89%Interest-bearing $34.8M11%Noninterest $4.5MQ3 2005Q3 2006

NIM

4.22%Q3 ’044.87%Q3 ’055.32%Q3 ’06+9%-20%

Non-interest income vs. expense

2.73%Q3 ’043.02%Q3 ’053.52%Q3 ’06+10%+15%

Executive Summary

  • Earnings: ROA of -0.76%, down 94 bps year over year; NIM at 2.36%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.07%.
  • Funding: loans stand at 27.29% of deposits as of Q3 2006.

Financial Results

Return on Assets (quarter, annualized)

-0.76%-94 bps YoY

Net Interest Margin (quarter, annualized)

2.36%-57 bps YoY

Efficiency Ratio (quarter, annualized)

127.86%+3,445 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets0.18%0.09%0.39%-0.29%-0.76%-94 bps
Return on Equity1.82%0.92%4.05%-2.99%-7.79%-960 bps
Net Interest Margin2.93%2.83%2.96%2.81%2.36%-57 bps
Efficiency Ratio93.42%96.56%88.26%98.18%127.86%+3,445 bps
Non-Interest Burden2.71%2.73%2.57%2.75%3.12%+41 bps
Growth
Asset Growth (YoY)-2.17%-0.99%-1.74%-3.18%-4.53%-236 bps
Loan Growth (YoY)4.60%0.01%6.38%2.65%-6.09%-1,069 bps
Deposit Growth (YoY)-1.38%1.16%5.09%2.45%0.11%+149 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.21%-0.07%-0.07%1.54%-0.07%-28 bps
Allowance / Loans0.96%1.00%1.01%1.03%1.09%+13 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital32.10%32.39%32.41%32.39%32.56%+46 bps
Equity / Assets9.93%9.66%9.74%9.67%9.94%+1 bps
Liquidity & Funding
Loans / Deposits29.10%27.85%28.12%28.11%27.29%-180 bps
Liquid Assets / Assets0.01%0.01%0.01%0.04%0.02%+1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a