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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 $5.8MQ4 2009Q3 2011
Deposit mix
84%Interest-bearing $269.2M16%Noninterest $53.1MQ4 2009Q3 2011

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.

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
n/a

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%

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q2 2010Q3 2010Q4 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets1.03%1.09%1.12%1.17%1.18%1.50%1.34%1.30%+13 bps
Return on Equity12.09%11.91%11.96%12.21%12.12%14.53%12.78%12.30%+9 bps
Net Interest Margin3.59%3.99%4.04%3.99%3.99%3.93%3.96%3.96%-3 bps
Efficiency Ratio69.49%63.78%63.95%65.21%65.15%67.12%69.30%67.81%+260 bps
Non-Interest Burden2.28%2.32%2.34%2.35%2.32%2.37%2.51%2.43%+8 bps
Growth
Asset Growth (YoY)4.62%2.05%7.34%3.72%-4.52%0.36%-2.69%-2.87%-658 bps
Loan Growth (YoY)9.55%8.72%10.84%11.07%5.19%-2.77%-4.00%-5.26%-1,633 bps
Deposit Growth (YoY)6.47%4.14%0.04%-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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.36%-0.03%0.14%0.11%0.13%0.14%0.20%0.34%+24 bps
Allowance / Loans0.87%1.08%1.13%1.19%1.17%1.28%1.26%1.29%+10 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital10.74%11.47%11.81%12.01%12.21%13.35%13.08%13.13%+112 bps
Equity / Assets8.93%9.45%9.76%10.15%10.35%10.35%10.68%10.75%+60 bps
Liquidity & Funding
Loans / Deposits80.08%79.25%83.79%83.98%86.92%77.16%78.60%78.45%-553 bps
Liquid Assets / Assets0.21%0.24%0.21%0.23%0.34%4.92%2.85%2.40%+217 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a