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Letter portraitLegal landscapeQuarterYTD

Community Bank

Pittsfield, IL · Cert 35294

FDIC

Q1 2006

$20.9MAssets
$13.5MLoans
$18.2MDeposits
$2.6MEquity
Deposit mix
87%Interest-bearing $15.8M13%Noninterest $2.4MQ1 2005Q1 2006

NIM

5.07%Q1 ’045.15%Q1 ’055.51%Q1 ’06+4%-2%

Non-interest income vs. expense

1.73%Q1 ’042.84%Q1 ’052.97%Q1 ’06+67%+5%

Executive Summary

  • Earnings: ROA of -0.10%, down 19 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
  • Funding: loans stand at 74.22% of deposits as of Q1 2006.

Financial Results

Return on Assets (quarter, annualized)

-0.10%-19 bps YoY

Net Interest Margin (quarter, annualized)

3.11%-5 bps YoY

Efficiency Ratio (quarter, annualized)

89.56%+505 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets0.09%0.52%-0.16%0.13%-0.10%-19 bps
Return on Equity0.84%4.80%-1.38%1.08%-0.77%-161 bps
Net Interest Margin3.16%3.44%3.42%3.22%3.11%-5 bps
Efficiency Ratio84.51%75.24%81.86%94.05%89.56%+505 bps
Non-Interest Burden2.64%2.53%2.75%3.02%2.77%+13 bps
Growth
Asset Growth (YoY)-19.76%-25.10%-22.93%-19.24%-17.37%+239 bps
Loan Growth (YoY)-0.97%2.77%-1.42%-7.52%-10.99%-1,002 bps
Deposit Growth (YoY)-19.50%-25.96%-24.26%-19.59%-19.66%-16 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.13%1.46%0.08%0.47%0.09%+22 bps
Allowance / Loans1.37%1.00%1.22%1.19%1.28%-9 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 Capital16.62%16.39%16.76%17.44%18.59%+197 bps
Equity / Assets10.12%11.48%12.12%12.22%12.33%+221 bps
Liquidity & Funding
Loans / Deposits66.99%78.21%83.15%79.10%74.22%+723 bps
Liquid Assets / Assets0.00%4.40%4.66%4.71%4.78%+478 bps
CRE / Total Capitaln/an/an/an/an/an/an/a