COMMUNITY FIRST BANK OF THE HEARTLAND

COMMUNITY FIRST BANK OF THE HEARTLAND is headquartered in Mount Vernon and is the 269^th largest bank in the state of Illinois. It is also the 3,880^th largest bank in the nation. It was established in 1906 and as of March of 2012, it had grown to 41 employees at 5 locations. COMMUNITY FIRST BANK OF THE HEARTLAND has a 5-star health rating.

Data for Q1 2012

Institution Statistics COMMUNITY FIRST BANK OF THE HEARTLAND FDIC Certificate # 3846 BankRate Report View Year Established 1906 Employees 41 Primary Regulator FED Assets and Liabilities Assets $149.54 million Loans $101.93 million Deposits $130.17 million Equity Capital $14.68 million Loan Loss Allowance $1.07 million Unbacked Noncurrent Loans $4,000 Historic Data - March 2011 Assets $88.93 million Equity Capital $8.84 million Loan Loss Allowance $938,000 Unbacked Noncurrent Loans $121,000 Real Estate Owned $106,000 Profit Margin - Quarterly Net Interest Margin 4.62% Return on Assets 2% Return on Equity 20.25% Interest Income $1.67 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 COMMUNITY FIRST BANK OF THE HEARTLAND had $4,000 in non-current loans and owned real-estate with $15.75 million in equity and loan loss allowances on hand to cover it. This gives COMMUNITY FIRST BANK OF THE HEARTLAND a Texas Ratio of 0.03% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for COMMUNITY FIRST BANK OF THE HEARTLAND decreased significantly from 2.32% as of March 31, 2011 to 0.03% as of March 31, 2012, resulting in a positive change of 98.91%.This indicates that the balance sheet and financial strength for COMMUNITY FIRST BANK OF THE HEARTLAND has improved significantly in recent periods. Deposit Growth In the past year, COMMUNITY FIRST BANK OF THE HEARTLAND has increased its total deposits by $54.93 million, resulting in 73.01% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth COMMUNITY FIRST BANK OF THE HEARTLAND has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. COMMUNITY FIRST BANK OF THE HEARTLAND has $149.54 million in assets with $15.75 million in equity, resulting in a capitalization level of 10.53%, which is above average.

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