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Pontiac National Bank

Pontiac, IL · Cert 14736

FDIC

Q3 2011

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: Q3 2011, the quarter ended September 30, 2011, on both parts.

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

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Pontiac National Bank

Pontiac, IL · Cert 14736

FDIC

Q3 2011

$406.3MAssets
$252.9MLoans
$322.3MDeposits
$43.7MEquity
Loan mix
76%RE $154.9M21%C&I $42.0M3%Consumer $5.8MQ3 2010Q3 2011
Deposit mix
84%Interest-bearing $269.2M16%Noninterest $53.1MQ3 2010Q3 2011

NIM

5.35%Q3 ’095.08%Q3 ’104.82%Q3 ’11+9%-1%

Non-interest income vs. expense

3.50%Q3 ’093.43%Q3 ’103.59%Q3 ’11+0%+3%

Executive Summary

  • Earnings: ROA of 1.30%, up 13 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.34%.
  • Funding: loans stand at 78.45% of deposits as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

1.30%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.96%-3 bps YoY

Efficiency Ratio (YTD, annualized)

67.81%+260 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2010Q4 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets1.17%1.18%1.50%1.34%1.30%+13 bps
Return on Equity12.21%12.12%14.53%12.78%12.30%+9 bps
Net Interest Margin3.99%3.99%3.93%3.96%3.96%-3 bps
Efficiency Ratio65.21%65.15%67.12%69.30%67.81%+260 bps
Non-Interest Burden2.35%2.32%2.37%2.51%2.43%+8 bps
Growth
Asset Growth (YoY)3.72%-4.52%0.36%-2.69%-2.87%-658 bps
Loan Growth (YoY)11.07%5.19%-2.77%-4.00%-5.26%-1,633 bps
Deposit Growth (YoY)-0.91%-3.08%-0.12%2.34%1.42%+233 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.11%0.13%0.14%0.20%0.34%+24 bps
Allowance / Loans1.19%1.17%1.28%1.26%1.29%+10 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 Capital12.01%12.21%13.35%13.08%13.13%+112 bps
Equity / Assets10.15%10.35%10.35%10.68%10.75%+60 bps
Liquidity & Funding
Loans / Deposits83.98%86.92%77.16%78.60%78.45%-553 bps
Liquid Assets / Assets0.23%0.34%4.92%2.85%2.40%+217 bps
CRE / Total Capitaln/an/an/an/an/an/an/a