PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

3.88%Q4 ’114.12%Q4 ’122.93%Q4 ’13+13%-28%

Non-interest income vs. expense

3.30%Q4 ’112.86%Q4 ’123.07%Q4 ’13-20%+6%

Executive Summary

  • Earnings: ROA of -0.55%, down 30 bps year over year; NIM at 2.56%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.66%.
  • Funding: loans stand at 60.64% of deposits as of Q4 2013.

Financial Results

Return on Assets (quarter, annualized)

-0.55%-30 bps YoY

Net Interest Margin (quarter, annualized)

2.56%-99 bps YoY

Efficiency Ratio (quarter, annualized)

107.40%+3,231 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets-0.24%0.35%-0.11%-1.03%-0.55%-30 bps
Return on Equity-1.69%2.44%-0.79%-7.20%-3.80%-211 bps
Net Interest Margin3.55%2.74%2.43%2.59%2.56%-99 bps
Efficiency Ratio75.09%77.78%94.16%103.28%107.40%+3,231 bps
Non-Interest Burden2.60%2.07%2.27%2.69%2.77%+17 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 / Loans1.68%-0.08%1.10%0.57%2.66%+97 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