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Letter portraitLegal landscapeQuarterYTD

Central Bank of Ashkum

Ashkum, IL · Cert 21982

FDIC

Q1 2010

$38.2MAssets
$19.9MLoans
$34.6MDeposits
$3.4MEquity
Deposit mix
81%Interest-bearing $28.0M19%Noninterest $6.6MQ1 2009Q1 2010

NIM

5.51%Q1 ’084.81%Q1 ’094.01%Q1 ’10+9%-12%

Non-interest income vs. expense

2.73%Q1 ’082.75%Q1 ’092.65%Q1 ’10+7%+1%

Executive Summary

  • Earnings: ROA of 1.00%, down 50 bps year over year; NIM at 3.19%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.04%.
  • Funding: loans stand at 57.53% of deposits as of Q1 2010.

Financial Results

Return on Assets (YTD, annualized)

1.00%-50 bps YoY

Net Interest Margin (YTD, annualized)

3.19%-42 bps YoY

Efficiency Ratio (YTD, annualized)

71.51%+680 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2009Q2 2009Q3 2009Q4 2009Q1 2010YoY ΔTrend
Earnings
Return on Assets1.50%1.30%1.23%1.18%1.00%-50 bps
Return on Equity16.10%14.18%13.38%12.96%11.25%-484 bps
Net Interest Margin3.61%3.51%3.50%3.42%3.19%-42 bps
Efficiency Ratio64.71%65.87%67.25%67.75%71.51%+680 bps
Non-Interest Burden2.11%2.10%2.14%2.13%2.13%+2 bps
Growth
Asset Growth (YoY)-1.67%4.49%-4.00%1.61%5.51%+718 bps
Loan Growth (YoY)0.27%-1.90%-1.73%-0.11%-0.57%-84 bps
Deposit Growth (YoY)-1.94%4.33%-2.86%3.82%6.28%+822 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.02%0.49%0.32%0.26%-0.04%-106 bps
Allowance / Loans0.88%0.97%1.00%1.02%1.12%+25 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 Capital16.23%16.47%16.36%15.69%15.35%-87 bps
Equity / Assets9.47%8.88%9.35%8.86%8.83%-64 bps
Liquidity & Funding
Loans / Deposits61.49%57.41%63.34%61.16%57.53%-396 bps
Liquid Assets / Assets0.68%0.64%0.68%0.64%0.64%-4 bps
CRE / Total Capitaln/an/an/an/an/an/an/a