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Letter portraitLegal landscapeQuarterYTD

Community Bank & Trust, National Association

Olney, IL · Cert 30319

FDIC

Q2 2005

$125.1MAssets
$70.3MLoans
$97.6MDeposits
$20.0MEquity
Deposit mix
94%Interest-bearing $91.7M6%Noninterest $5.9MQ2 2004Q2 2005

NIM

5.64%Q2 ’035.22%Q2 ’045.38%Q2 ’05-1%+7%

Non-interest income vs. expense

3.36%Q2 ’033.19%Q2 ’043.31%Q2 ’05-19%+6%

Executive Summary

  • Earnings: ROA of 0.76%, up 2 bps year over year; NIM at 3.44%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.06%.
  • Funding: loans stand at 72.01% of deposits as of Q2 2005.

Financial Results

Return on Assets (YTD, annualized)

0.76%+2 bps YoY

Net Interest Margin (YTD, annualized)

3.44%+24 bps YoY

Efficiency Ratio (YTD, annualized)

68.91%-89 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets0.74%0.63%0.53%0.76%0.76%+2 bps
Return on Equity5.02%4.27%3.58%4.92%4.87%-15 bps
Net Interest Margin3.21%3.14%3.15%3.32%3.44%+24 bps
Efficiency Ratio69.80%72.04%75.19%67.67%68.91%-89 bps
Non-Interest Burden1.95%1.99%2.16%1.98%2.07%+12 bps
Growth
Asset Growth (YoY)-5.17%-0.56%-1.31%-3.89%-5.59%-41 bps
Loan Growth (YoY)-13.73%-9.09%-4.45%-3.62%-2.19%+1,154 bps
Deposit Growth (YoY)-6.66%-1.76%-2.39%-5.22%-7.61%-95 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.20%0.16%0.13%-0.02%0.06%-14 bps
Allowance / Loans1.82%1.85%1.89%1.99%1.97%+15 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 Capital24.25%24.26%24.40%25.07%25.90%+165 bps
Equity / Assets14.83%15.02%15.26%15.59%15.98%+115 bps
Liquidity & Funding
Loans / Deposits68.01%67.98%69.14%68.82%72.01%+399 bps
Liquid Assets / Assets15.85%15.79%16.12%16.39%19.04%+319 bps
CRE / Total Capitaln/an/an/an/an/an/an/a