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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 $2.6MQ4 2004Q3 2006

Executive Summary

  • Earnings: ROA of 0.43%, up 15 bps year over year; NIM at 3.42%.
  • 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.

Return on Assets (YTD, annualized)

0.43%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.42%+51 bps YoY

Efficiency Ratio (YTD, annualized)

86.37%-942 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

3.59%Q3 ’043.82%Q3 ’054.90%Q3 ’06+9%+18%

Non-interest income vs. expense

2.89%Q3 ’043.22%Q3 ’053.41%Q3 ’06+12%+4%

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets0.18%0.55%0.34%0.28%0.25%-0.10%0.25%0.43%+15 bps
Return on Equity2.09%6.68%4.04%3.36%2.99%-1.22%3.02%4.90%+154 bps
Net Interest Margin2.62%2.79%2.97%2.90%2.73%2.73%3.23%3.42%+51 bps
Efficiency Ratio93.54%96.24%96.27%95.79%95.67%96.97%89.64%86.37%-942 bps
Non-Interest Burden2.42%2.67%2.84%2.76%2.59%2.64%2.84%2.88%+12 bps
Growth
Asset Growth (YoY)-2.35%-11.00%-8.57%-6.16%0.75%-4.41%-10.01%-10.00%-384 bps
Loan Growth (YoY)-12.63%-7.23%2.59%5.07%8.91%7.40%4.76%-3.71%-878 bps
Deposit Growth (YoY)5.03%-10.55%-14.85%-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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.70%0.00%-0.03%-0.04%-0.03%-0.06%-0.06%-0.06%-2 bps
Allowance / Loans1.50%1.61%1.50%1.44%1.40%1.55%1.48%1.54%+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 Capital25.58%29.11%26.85%25.68%22.64%25.37%24.46%24.60%-107 bps
Equity / Assets7.98%8.54%8.68%8.57%7.42%8.73%9.21%10.03%+145 bps
Liquidity & Funding
Loans / Deposits39.10%40.25%46.18%52.20%47.92%45.31%50.41%49.05%-314 bps
Liquid Assets / Assets9.26%0.88%0.87%0.86%0.65%0.59%0.76%0.62%-25 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a