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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

4.56%Q2 ’034.39%Q2 ’04-0.36%Q2 ’05+27%-109%

Non-interest income vs. expense

4.18%Q2 ’034.17%Q2 ’04-1.58%Q2 ’05+0%-90%

Executive Summary

  • Earnings: ROA of -0.69%, up 7 bps year over year; NIM at -0.28%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.14%.
  • Funding: loans stand at 65.14% of deposits as of Q2 2005.

Financial Results

Return on Assets (quarter, annualized)

-0.69%+7 bps YoY

Net Interest Margin (quarter, annualized)

-0.28%-334 bps YoY

Efficiency Ratio (quarter, annualized)

92.50%-2,317 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets-0.75%1.35%-1.86%0.93%-0.69%+7 bps
Return on Equity-15.02%24.70%-29.29%13.91%-6.60%+842 bps
Net Interest Margin3.06%3.20%3.35%3.60%-0.28%-334 bps
Efficiency Ratio115.67%78.84%116.90%83.41%92.50%-2,317 bps
Non-Interest Burden3.65%1.70%4.03%2.69%0.35%-330 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 / Loans0.43%0.25%0.23%0.16%-0.14%-56 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