Cerro Gordo Building and Loan, S.B.

Cerro Gordo, IL · Cert 30210

FDIC

Q3 2002

$9.8MAssets

$8.3MLoans

$5.9MDeposits

$1.5MEquity

Deposit mix

Executive Summary

Earnings: ROA of 0.33%, up 44 bps year over year; NIM at 3.17%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
Funding: loans stand at 140.63% of deposits as of Q3 2002.

Return on Assets (YTD, annualized)

0.33%+44 bps YoY

Net Interest Margin (YTD, annualized)

3.17%+14 bps YoY

Efficiency Ratio (YTD, annualized)

77.18%-1,876 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q4 2000	Q1 2001	Q2 2001	Q3 2001	Q4 2001	Q1 2002	Q2 2002	Q3 2002	YoY Δ	Trend
Earnings
Return on Assets	0.81%	-1.60%	-0.57%	-0.11%	0.18%	0.00%	0.06%	0.33%	+44 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	0.00%	0.42%	2.22%	n/a
Net Interest Margin	n/a	3.30%	3.15%	3.03%	3.02%	3.26%	3.21%	3.17%	+14 bps
Efficiency Ratio	n/a	141.18%	110.00%	95.95%	87.25%	79.45%	85.16%	77.18%	-1,876 bps
Non-Interest Burden	n/a	4.70%	3.48%	2.90%	2.62%	2.63%	2.81%	2.52%	-38 bps
Growth
Asset Growth (YoY)	4.00%	5.08%	20.86%	22.39%	22.11%	17.12%	4.79%	0.84%	-2,154 bps
Loan Growth (YoY)	4.68%	5.63%	17.02%	20.68%	21.99%	14.05%	5.17%	0.62%	-2,006 bps
Deposit Growth (YoY)	1.28%	5.09%	8.07%	6.78%	7.00%	0.33%	1.43%	0.79%	-599 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Allowance / Loans	n/a	0.47%	0.41%	0.40%	0.39%	0.42%	0.39%	0.40%	0 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	33.07%	29.33%	28.10%	27.44%	28.54%	28.81%	29.54%	+143 bps
Equity / Assets	n/a	16.95%	15.21%	14.52%	14.93%	15.16%	14.99%	14.84%	+32 bps
Liquidity & Funding
Loans / Deposits	129.23%	125.84%	142.20%	140.86%	147.35%	143.06%	147.44%	140.63%	-23 bps
Liquid Assets / Assets	0.00%	9.51%	8.74%	10.14%	6.24%	10.08%	8.43%	11.96%	+182 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a