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First National Bank of Marshall

Marshall, IL · Cert 1799

FDIC

Q3 2003

$50.4MAssets
$32.1MLoans
$44.1MDeposits
$6.0MEquity
Loan mix
83%RE $15.1M16%C&I $2.9M1%Consumer $0.1MQ3 2002Q3 2003
Deposit mix
91%Interest-bearing $40.1M9%Noninterest $4.0MQ3 2002Q3 2003

NIM

7.22%Q3 ’016.30%Q3 ’026.10%Q3 ’03+4%+9%

Non-interest income vs. expense

2.11%Q3 ’012.20%Q3 ’022.33%Q3 ’030%+5%

Executive Summary

  • Earnings: ROA of 1.54%, unchanged from a year ago; NIM at 3.91%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.35%.
  • Funding: loans stand at 72.78% of deposits as of Q3 2003.

Financial Results

Return on Assets (YTD, annualized)

1.54%0 bps YoY

Net Interest Margin (YTD, annualized)

3.91%+31 bps YoY

Efficiency Ratio (YTD, annualized)

49.78%-123 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2002Q4 2002Q1 2003Q2 2003Q3 2003YoY ΔTrend
Earnings
Return on Assets1.54%1.44%1.37%1.50%1.54%0 bps
Return on Equity14.71%13.96%13.41%14.39%14.24%-47 bps
Net Interest Margin3.60%3.55%3.56%3.60%3.91%+31 bps
Efficiency Ratio51.01%53.10%52.08%49.58%49.78%-123 bps
Non-Interest Burden1.49%1.55%1.47%1.40%1.56%+7 bps
Growth
Asset Growth (YoY)5.59%13.96%12.95%12.54%-1.80%-739 bps
Loan Growth (YoY)-2.55%-6.58%-3.19%-4.56%-1.50%+105 bps
Deposit Growth (YoY)6.06%15.50%12.93%12.28%-3.15%-922 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.03%-0.01%0.57%0.35%+33 bps
Allowance / Loans1.86%1.98%2.13%1.95%1.99%+13 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 Capital15.54%15.38%15.95%16.03%14.75%-78 bps
Equity / Assets10.70%9.94%10.47%10.96%11.84%+114 bps
Liquidity & Funding
Loans / Deposits71.56%64.62%64.75%64.98%72.78%+122 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a