PackageTrendsPeer
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Clover Leaf Bank, S.B.

Edwardsville, IL · Cert 30282

FDIC

Q2 2006

$144.7MAssets
$112.2MLoans
$115.8MDeposits
$12.4MEquity
Loan mix
69%RE $37.5M30%C&I $16.4M0%Consumer $0.1MQ2 2005Q2 2006
Deposit mix
89%Interest-bearing $102.8M11%Noninterest $13.1MQ2 2005Q2 2006

NIM

4.74%Q2 ’045.32%Q2 ’055.53%Q2 ’06+11%-17%

Non-interest income vs. expense

2.44%Q2 ’042.41%Q2 ’052.40%Q2 ’06+6%-1%

Executive Summary

  • Earnings: ROA of 0.54%, down 25 bps year over year; NIM at 2.77%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 96.82% of deposits as of Q2 2006.

Financial Results

Return on Assets (YTD, annualized)

0.54%-25 bps YoY

Net Interest Margin (YTD, annualized)

2.77%-56 bps YoY

Efficiency Ratio (YTD, annualized)

77.05%+1,114 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets0.78%0.67%0.66%0.40%0.54%-25 bps
Return on Equity7.97%6.89%6.90%4.36%6.00%-197 bps
Net Interest Margin3.33%3.06%2.99%2.87%2.77%-56 bps
Efficiency Ratio65.91%69.62%69.98%79.81%77.05%+1,114 bps
Non-Interest Burden2.08%2.03%1.97%2.22%2.06%-3 bps
Growth
Asset Growth (YoY)13.41%12.59%9.83%12.54%21.32%+791 bps
Loan Growth (YoY)25.44%26.55%26.18%25.48%29.34%+389 bps
Deposit Growth (YoY)9.52%11.82%5.15%14.80%27.02%+1,750 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.03%-0.04%-0.08%-0.03%-0.01%+2 bps
Allowance / Loans0.87%0.84%0.87%0.85%0.81%-6 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 Capital14.40%13.63%13.71%13.33%12.53%-187 bps
Equity / Assets10.03%9.42%9.18%9.18%8.59%-145 bps
Liquidity & Funding
Loans / Deposits95.09%91.90%95.01%97.43%96.82%+173 bps
Liquid Assets / Assets3.17%1.73%3.04%1.50%2.77%-40 bps
CRE / Total Capitaln/an/an/an/an/an/an/a