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Letter portraitLegal landscapeQuarterYTD

Citizens Community Bank of Decatur

Decatur, IL · Cert 34082

FDIC

Q4 2005

$13.4MAssets
$8.3MLoans
$12.0MDeposits
$1.2MEquity
Deposit mix
85%Interest-bearing $10.3M15%Noninterest $1.8MQ4 2004Q4 2005

NIM

5.30%Q4 ’035.23%Q4 ’045.27%Q4 ’05+1%-6%

Non-interest income vs. expense

6.28%Q4 ’035.09%Q4 ’046.68%Q4 ’05-13%+43%

Executive Summary

  • Earnings: ROA of -3.35%, down 204 bps year over year; NIM at 2.77%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.10%.
  • Funding: loans stand at 68.92% of deposits as of Q4 2005.

Financial Results

Return on Assets (quarter, annualized)

-3.35%-204 bps YoY

Net Interest Margin (quarter, annualized)

2.77%-17 bps YoY

Efficiency Ratio (quarter, annualized)

196.61%+6,252 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets-1.31%1.27%-1.70%-2.90%-3.35%-204 bps
Return on Equity-11.87%12.19%-16.78%-29.25%-36.25%-2,438 bps
Net Interest Margin2.93%2.77%2.02%2.57%2.77%-17 bps
Efficiency Ratio134.09%77.04%194.62%218%196.61%+6,252 bps
Non-Interest Burden4.22%1.52%4.49%5.32%6.05%+183 bps
Growth
Asset Growth (YoY)0.94%2.18%2.07%1.67%-3.33%-427 bps
Loan Growth (YoY)-2.89%-3.97%-1.98%0.99%-6.22%-333 bps
Deposit Growth (YoY)2.36%3.64%1.87%2.35%-0.56%-292 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.09%0.23%4.23%-1.09%-0.10%-1 bps
Allowance / Loans2.91%2.96%1.62%1.81%1.96%-95 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 Capital16.00%16.64%16.14%14.96%14.55%-145 bps
Equity / Assets10.69%10.10%10.22%9.60%8.90%-180 bps
Liquidity & Funding
Loans / Deposits73.08%66.65%69.30%73.54%68.92%-416 bps
Liquid Assets / Assets0.08%0.08%0.09%0.09%0.09%+1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a