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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

4.71%Q2 ’045.59%Q2 ’055.79%Q2 ’06+17%-19%

Non-interest income vs. expense

2.41%Q2 ’042.59%Q2 ’052.37%Q2 ’06+20%-10%

Executive Summary

  • Earnings: ROA of 0.68%, down 10 bps year over year; NIM at 2.83%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 96.82% of deposits as of Q2 2006.

Financial Results

Return on Assets (quarter, annualized)

0.68%-10 bps YoY

Net Interest Margin (quarter, annualized)

2.83%-66 bps YoY

Efficiency Ratio (quarter, annualized)

74.42%+690 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets0.77%0.46%0.64%0.40%0.68%-10 bps
Return on Equity7.80%4.76%6.92%4.36%7.62%-18 bps
Net Interest Margin3.48%2.91%2.94%2.87%2.83%-66 bps
Efficiency Ratio67.52%77.37%70.98%79.81%74.42%+690 bps
Non-Interest Burden2.24%2.16%1.89%2.22%2.01%-23 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-0.01%-0.05%-0.21%-0.03%0.00%+1 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