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National Bank of Earlville

Earlville, IL · Cert 15630

FDIC

Q4 2013

$56.6MAssets
$29.1MLoans
$47.9MDeposits
$8.3MEquity
Loan mix
89%RE $18.7M7%C&I $1.5M4%Consumer $0.9MQ4 2012Q4 2013
Deposit mix
86%Interest-bearing $41.1M14%Noninterest $6.8MQ4 2012Q4 2013

NIM

4.16%Q4 ’113.82%Q4 ’123.10%Q4 ’13-5%-17%

Non-interest income vs. expense

2.80%Q4 ’112.75%Q4 ’122.86%Q4 ’13+0%+1%

Executive Summary

  • Earnings: ROA of -0.33%, up 3 bps year over year; NIM at 2.64%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.06%.
  • Funding: loans stand at 60.64% of deposits as of Q4 2013.

Financial Results

Return on Assets (YTD, annualized)

-0.33%+3 bps YoY

Net Interest Margin (YTD, annualized)

2.64%-55 bps YoY

Efficiency Ratio (YTD, annualized)

95.33%+1,611 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets-0.36%0.35%0.12%-0.26%-0.33%+3 bps
Return on Equity-2.40%2.44%0.83%-1.81%-2.29%+11 bps
Net Interest Margin3.19%2.74%2.63%2.63%2.64%-55 bps
Efficiency Ratio79.22%77.78%85.44%91.54%95.33%+1,611 bps
Non-Interest Burden2.47%2.07%2.20%2.37%2.50%+3 bps
Growth
Asset Growth (YoY)-1.13%8.71%5.02%-2.90%-6.96%-583 bps
Loan Growth (YoY)8.26%-18.82%-23.44%-29.08%-34.61%-4,287 bps
Deposit Growth (YoY)9.62%11.22%6.63%1.40%-3.62%-1,324 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.24%-0.08%0.51%0.52%1.06%-18 bps
Allowance / Loans1.69%2.75%2.63%3.36%3.14%+145 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 Capital19.54%26.38%26.57%24.61%24.53%+499 bps
Equity / Assets14.26%14.21%14.55%14.04%14.65%+39 bps
Liquidity & Funding
Loans / Deposits89.37%55.31%57.57%57.92%60.64%-2,874 bps
Liquid Assets / Assets0.57%0.56%0.59%5.76%4.91%+434 bps
CRE / Total Capitaln/an/an/an/an/an/an/a