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Farmer City State Bank

Farmer City, IL · Cert 15855

FDIC

Q2 2012

$79.1MAssets
$15.6MLoans
$69.8MDeposits
$8.8MEquity
Loan mix
84%RE $5.0M8%C&I $0.5M9%Consumer $0.5MQ2 2011Q2 2012
Deposit mix
87%Interest-bearing $60.4M13%Noninterest $9.4MQ2 2011Q2 2012

NIM

4.49%Q2 ’103.95%Q2 ’113.37%Q2 ’12-1%-11%

Non-interest income vs. expense

3.17%Q2 ’103.02%Q2 ’112.68%Q2 ’12-7%-28%

Executive Summary

  • Earnings: ROA of 1.45%, up 66 bps year over year; NIM at 2.91%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.13%.
  • Funding: loans stand at 22.31% of deposits as of Q2 2012.

Financial Results

Return on Assets (quarter, annualized)

1.45%+66 bps YoY

Net Interest Margin (quarter, annualized)

2.91%-38 bps YoY

Efficiency Ratio (quarter, annualized)

63.97%-510 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets0.79%0.98%2.18%1.52%1.45%+66 bps
Return on Equity6.91%8.38%18.67%13.11%12.76%+585 bps
Net Interest Margin3.29%3.12%3.10%2.96%2.91%-38 bps
Efficiency Ratio69.06%70.75%61.82%64.07%63.97%-510 bps
Non-Interest Burden1.94%1.87%1.28%1.39%1.40%-54 bps
Growth
Asset Growth (YoY)8.96%12.68%12.81%9.81%18.38%+941 bps
Loan Growth (YoY)-22.00%-22.08%-18.59%-22.22%-21.23%+77 bps
Deposit Growth (YoY)10.12%14.90%12.49%9.34%19.33%+921 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.67%1.48%0.04%1.82%0.13%-254 bps
Allowance / Loans1.89%2.21%2.23%2.36%2.37%+48 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 Capital25.74%26.49%26.71%30.16%31.38%+563 bps
Equity / Assets11.70%11.72%11.61%11.54%11.13%-57 bps
Liquidity & Funding
Loans / Deposits33.80%31.20%30.59%24.44%22.31%-1,149 bps
Liquid Assets / Assets1.95%2.02%1.79%2.43%2.21%+25 bps
CRE / Total Capitaln/an/an/an/an/an/an/a