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Bank, The

Charleston, IL · Cert 21164

FDIC

Q3 2007

$115.8MAssets
$69.7MLoans
$103.5MDeposits
$10.5MEquity
Loan mix
93%RE $51.4M7%C&I $3.8M0%Consumer $0.0MQ3 2006Q3 2007
Deposit mix
92%Interest-bearing $95.3M8%Noninterest $8.3MQ3 2006Q3 2007

NIM

4.75%Q3 ’055.58%Q3 ’066.00%Q3 ’07-7%-4%

Non-interest income vs. expense

2.26%Q3 ’052.20%Q3 ’061.96%Q3 ’07-5%-14%

Executive Summary

  • Earnings: ROA of 1.48%, up 16 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.06%.
  • Funding: loans stand at 67.33% of deposits as of Q3 2007.

Financial Results

Return on Assets (YTD, annualized)

1.48%+16 bps YoY

Net Interest Margin (YTD, annualized)

2.86%-13 bps YoY

Efficiency Ratio (YTD, annualized)

56.44%-440 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets1.31%1.34%1.23%1.34%1.48%+16 bps
Return on Equity14.16%14.43%13.75%15.22%16.64%+249 bps
Net Interest Margin2.99%2.92%2.83%2.75%2.86%-13 bps
Efficiency Ratio60.84%60.07%60.13%58.66%56.44%-440 bps
Non-Interest Burden1.57%1.50%1.49%1.38%1.35%-23 bps
Growth
Asset Growth (YoY)2.35%4.31%13.68%12.80%9.34%+699 bps
Loan Growth (YoY)11.56%7.94%4.61%-6.29%-10.19%-2,175 bps
Deposit Growth (YoY)1.84%3.75%14.36%13.33%9.74%+791 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.12%0.13%0.14%0.08%0.06%-6 bps
Allowance / Loans0.75%0.77%0.77%0.82%0.84%+9 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 Capital14.21%14.75%14.31%15.24%15.93%+172 bps
Equity / Assets9.29%9.29%8.62%8.59%9.03%-25 bps
Liquidity & Funding
Loans / Deposits82.27%77.69%71.60%66.06%67.33%-1,494 bps
Liquid Assets / Assets19.80%19.05%17.69%23.18%22.43%+263 bps
CRE / Total Capitaln/an/an/an/an/an/an/a