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Letter portraitLegal landscapeQuarterYTD

American Savings Bank of Danville

Danville, IL · Cert 30385

FDIC

Q2 2005

$46.3MAssets
$33.2MLoans
$31.1MDeposits
$5.0MEquity
Deposit mix
96%Interest-bearing $29.8M4%Noninterest $1.2MQ2 2004Q2 2005

NIM

6.39%Q2 ’035.87%Q2 ’045.80%Q2 ’05-1%-1%

Non-interest income vs. expense

1.93%Q2 ’031.96%Q2 ’041.97%Q2 ’05-1%+0%

Executive Summary

  • Earnings: ROA of 0.76%, down 1 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 106.91% of deposits as of Q2 2005.

Financial Results

Return on Assets (YTD, annualized)

0.76%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.12%-2 bps YoY

Efficiency Ratio (YTD, annualized)

60.60%+63 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 Assets0.77%0.77%0.57%0.65%0.76%-1 bps
Return on Equity8.52%8.46%6.20%6.62%7.50%-102 bps
Net Interest Margin3.13%3.15%3.12%2.88%3.12%-2 bps
Efficiency Ratio59.98%60.52%69.42%65.23%60.60%+63 bps
Non-Interest Burden1.83%1.86%2.13%1.84%1.84%+1 bps
Growth
Asset Growth (YoY)-3.01%-0.91%-0.02%-4.86%-6.91%-389 bps
Loan Growth (YoY)-5.48%-7.81%-10.35%-9.14%-7.18%-171 bps
Deposit Growth (YoY)-6.86%-4.94%1.84%1.56%1.81%+867 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.10%0.12%0.09%-0.04%0.02%-7 bps
Allowance / Loans0.54%0.53%0.59%0.60%0.59%+5 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 Capital20.28%20.72%21.73%22.16%22.89%+261 bps
Equity / Assets9.20%9.63%9.71%9.99%10.73%+153 bps
Liquidity & Funding
Loans / Deposits117.27%116.08%106.38%105.73%106.91%-1,036 bps
Liquid Assets / Assets4.44%4.31%8.44%4.90%1.76%-268 bps
CRE / Total Capitaln/an/an/an/an/an/an/a