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Illinois Community Bank

Effingham, IL · Cert 31068

FDIC

Q2 2005

$31.6MAssets
$17.7MLoans
$27.1MDeposits
$4.3MEquity
Loan mix
86%RE $12.2M14%C&I $1.9M0%Consumer $0.0MQ2 2004Q2 2005
Deposit mix
89%Interest-bearing $24.2M11%Noninterest $3.0MQ2 2004Q2 2005

NIM

4.86%Q2 ’034.47%Q2 ’042.24%Q2 ’05+23%-46%

Non-interest income vs. expense

4.09%Q2 ’034.24%Q2 ’041.67%Q2 ’05+20%-59%

Executive Summary

  • Earnings: ROA of 0.13%, up 89 bps year over year; NIM at 1.65%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 65.14% of deposits as of Q2 2005.

Financial Results

Return on Assets (YTD, annualized)

0.13%+89 bps YoY

Net Interest Margin (YTD, annualized)

1.65%-140 bps YoY

Efficiency Ratio (YTD, annualized)

88.21%-2,992 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 Assets-0.76%-0.10%-0.48%0.93%0.13%+89 bps
Return on Equity-14.81%-1.85%-8.67%13.91%1.41%+1,622 bps
Net Interest Margin3.06%3.36%3.38%3.60%1.65%-140 bps
Efficiency Ratio118.13%99.45%102.88%83.41%88.21%-2,992 bps
Non-Interest Burden3.74%3.37%3.56%2.69%1.52%-222 bps
Growth
Asset Growth (YoY)-4.37%-17.64%-25.21%-30.83%-25.61%-2,125 bps
Loan Growth (YoY)3.03%-8.02%-13.47%-18.00%-21.25%-2,428 bps
Deposit Growth (YoY)-3.03%-21.82%-27.23%-32.02%-32.63%-2,961 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.32%0.30%0.31%0.16%0.01%-31 bps
Allowance / Loans1.23%1.23%1.37%1.45%1.46%+23 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 Capital10.85%12.50%12.89%14.11%18.00%+715 bps
Equity / Assets4.78%6.25%6.42%6.96%13.68%+889 bps
Liquidity & Funding
Loans / Deposits55.73%68.15%64.89%63.93%65.14%+942 bps
Liquid Assets / Assets1.04%0.65%0.80%0.84%0.77%-27 bps
CRE / Total Capitaln/an/an/an/an/an/an/a