Millbrook-Newark Bank

Newark, IL · Cert 5747

FDIC

Q1 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2001, the quarter ended March 31, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Newark, IL · Cert 5747

FDIC

Q1 2001

$31.8MAssets

$17.9MLoans

$27.7MDeposits

$2.7MEquity

Deposit mix

Earnings: ROA of 0.80%, up 8 bps year over year; NIM at 3.73%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
Funding: loans stand at 64.64% of deposits as of Q1 2001.

Return on Assets (YTD, annualized)

0.80%+8 bps YoY

Net Interest Margin (YTD, annualized)

3.73%

n/a

Efficiency Ratio (YTD, annualized)

70.43%

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1999	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	YoY Δ	Trend
Earnings
Return on Assets	0.74%	0.76%	0.70%	0.72%	0.76%	0.76%	0.76%	0.80%	+8 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	n/a	3.73%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	70.43%	n/a	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	n/a	2.51%	n/a	n/a
Growth
Asset Growth (YoY)	7.21%	5.07%	5.60%	6.71%	5.26%	7.26%	4.09%	5.28%	-144 bps
Loan Growth (YoY)	6.68%	4.33%	-4.48%	-1.06%	7.79%	8.56%	14.26%	15.12%	+1,618 bps
Deposit Growth (YoY)	5.45%	3.53%	6.04%	7.26%	3.35%	5.54%	0.97%	2.47%	-478 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	0.00%	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	0.64%	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	14.23%	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	8.59%	n/a	n/a
Liquidity & Funding
Loans / Deposits	61.91%	60.49%	55.91%	57.54%	64.57%	62.23%	63.27%	64.64%	+710 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.12%	+112 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a