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Wyoming Bank & Trust Company

Wyoming, IL · Cert 15096

FDIC

Q3 2006

$14.6MAssets
$6.4MLoans
$13.1MDeposits
$1.5MEquity
Deposit mix
80%Interest-bearing $10.5M20%Noninterest $2.6MQ3 2005Q3 2006

NIM

3.49%Q3 ’043.94%Q3 ’055.19%Q3 ’06+7%+32%

Non-interest income vs. expense

2.89%Q3 ’043.22%Q3 ’053.36%Q3 ’06+18%+10%

Executive Summary

  • Earnings: ROA of 0.82%, up 65 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.06%.
  • Funding: loans stand at 49.05% of deposits as of Q3 2006.

Financial Results

Return on Assets (quarter, annualized)

0.82%+65 bps YoY

Net Interest Margin (quarter, annualized)

3.72%+90 bps YoY

Efficiency Ratio (quarter, annualized)

80.39%-1,446 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets0.17%0.14%-0.10%0.65%0.82%+65 bps
Return on Equity2.00%1.78%-1.22%7.20%8.56%+655 bps
Net Interest Margin2.82%2.60%2.73%3.33%3.72%+90 bps
Efficiency Ratio94.85%95.28%96.97%83.11%80.39%-1,446 bps
Non-Interest Burden2.65%2.46%2.64%2.65%2.90%+25 bps
Growth
Asset Growth (YoY)-6.16%0.75%-4.41%-10.01%-10.00%-384 bps
Loan Growth (YoY)5.07%8.91%7.40%4.76%-3.71%-878 bps
Deposit Growth (YoY)-18.54%-11.12%-4.58%-4.02%2.45%+2,099 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.06%0.00%-0.06%-0.06%-0.06%0 bps
Allowance / Loans1.44%1.40%1.55%1.48%1.54%+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 Capital25.68%22.64%25.37%24.46%24.60%-107 bps
Equity / Assets8.57%7.42%8.73%9.21%10.03%+145 bps
Liquidity & Funding
Loans / Deposits52.20%47.92%45.31%50.41%49.05%-314 bps
Liquid Assets / Assets0.86%0.65%0.59%0.76%0.62%-25 bps
CRE / Total Capitaln/an/an/an/an/an/an/a