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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

5.38%Q2 ’035.28%Q2 ’045.32%Q2 ’05+6%+6%

Non-interest income vs. expense

3.40%Q2 ’033.22%Q2 ’043.47%Q2 ’05-27%+15%

Executive Summary

  • Earnings: ROA of 0.76%, down 12 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.14%.
  • Funding: loans stand at 72.01% of deposits as of Q2 2005.

Financial Results

Return on Assets (quarter, annualized)

0.76%-12 bps YoY

Net Interest Margin (quarter, annualized)

3.47%+19 bps YoY

Efficiency Ratio (quarter, annualized)

70.08%+294 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets0.88%0.42%0.23%0.76%0.76%-12 bps
Return on Equity5.96%2.79%1.53%4.92%4.82%-113 bps
Net Interest Margin3.27%3.03%3.08%3.32%3.47%+19 bps
Efficiency Ratio67.14%76.70%85.89%67.67%70.08%+294 bps
Non-Interest Burden1.82%2.10%2.61%1.98%2.10%+28 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 / Loans0.21%0.08%0.04%-0.02%0.14%-7 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