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Letter portraitLegal landscapeQuarterYTD

Peoples State Bank

Manito, IL · Cert 10436

FDIC

Q3 2006

$47.9MAssets
$36.0MLoans
$39.3MDeposits
$5.0MEquity
Deposit mix
90%Interest-bearing $35.5M10%Noninterest $3.8MQ3 2005Q3 2006

NIM

4.47%Q3 ’044.69%Q3 ’055.54%Q3 ’06+1%-2%

Non-interest income vs. expense

2.29%Q3 ’042.53%Q3 ’052.76%Q3 ’06+11%+9%

Executive Summary

  • Earnings: ROA of 0.84%, down 20 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 91.71% of deposits as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

0.84%-20 bps YoY

Net Interest Margin (YTD, annualized)

3.12%-7 bps YoY

Efficiency Ratio (YTD, annualized)

77.89%+728 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets1.03%1.01%0.85%0.71%0.84%-20 bps
Return on Equity11.27%10.97%8.88%7.30%8.48%-278 bps
Net Interest Margin3.19%3.18%3.03%3.09%3.12%-7 bps
Efficiency Ratio70.61%74.64%76.52%79.77%77.89%+728 bps
Non-Interest Burden2.14%2.28%2.19%2.37%2.34%+20 bps
Growth
Asset Growth (YoY)-3.75%-6.32%-1.45%-0.91%-8.05%-430 bps
Loan Growth (YoY)0.11%-3.84%0.55%1.10%2.89%+279 bps
Deposit Growth (YoY)-3.92%-8.71%-5.25%-3.84%-12.50%-858 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.86%1.91%1.90%1.87%1.81%-5 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 Capital13.87%14.39%14.70%14.50%14.33%+47 bps
Equity / Assets9.24%9.31%9.85%9.88%10.40%+116 bps
Liquidity & Funding
Loans / Deposits77.99%76.96%80.41%84.31%91.71%+1,372 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a