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Citizens Savings Bank

Bloomington, IL · Cert 28428

FDIC

Q3 2005

$316.8MAssets
$215.9MLoans
$222.5MDeposits
$53.7MEquity
Loan mix
78%RE $104.2M22%C&I $29.4M0%Consumer $0.0MQ3 2004Q3 2005
Deposit mix
85%Interest-bearing $189.7M15%Noninterest $32.8MQ3 2004Q3 2005

NIM

5.91%Q3 ’035.07%Q3 ’045.25%Q3 ’05-9%+3%

Non-interest income vs. expense

2.03%Q3 ’032.33%Q3 ’042.34%Q3 ’05-10%+6%

Executive Summary

  • Earnings: ROA of 0.77%, down 1 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 97.06% of deposits as of Q3 2005.

Financial Results

Return on Assets (quarter, annualized)

0.77%-1 bps YoY

Net Interest Margin (quarter, annualized)

3.26%+10 bps YoY

Efficiency Ratio (quarter, annualized)

55.04%-723 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets0.78%1.62%0.14%0.77%0.77%-1 bps
Return on Equity8.13%16.52%1.43%5.58%4.55%-358 bps
Net Interest Margin3.17%3.26%3.26%0.16%3.26%+10 bps
Efficiency Ratio62.27%50.64%58.43%-29.65%55.04%-723 bps
Non-Interest Burden1.75%1.36%1.72%0.16%1.85%+10 bps
Growth
Asset Growth (YoY)-6.70%-6.70%-12.50%-3.54%-1.84%+486 bps
Loan Growth (YoY)-14.40%-16.04%-13.51%-8.56%-8.98%+542 bps
Deposit Growth (YoY)-6.01%-7.68%-7.86%-6.74%-4.18%+183 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.19%0.11%0.60%-0.54%0.02%-18 bps
Allowance / Loans1.31%1.15%1.48%1.54%1.63%+32 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 Capital16.13%16.67%16.75%16.70%16.88%+75 bps
Equity / Assets9.70%9.93%10.22%17.01%16.96%+726 bps
Liquidity & Funding
Loans / Deposits102.18%101.18%98.21%98.97%97.06%-512 bps
Liquid Assets / Assets4.74%6.89%4.04%3.04%7.29%+256 bps
CRE / Total Capitaln/an/an/an/an/an/an/a