First State Bank of Pekin

Pekin, IL · Cert 20361

FDIC

Q1 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2001, the quarter ended March 31, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Pekin, IL · Cert 20361

FDIC

Q1 2001

$23.9MAssets

$14.0MLoans

$21.4MDeposits

$2.2MEquity

Deposit mix

Earnings: ROA of 0.08%, down 140 bps year over year; NIM at 3.21%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
Funding: loans stand at 65.59% of deposits as of Q1 2001.

Return on Assets (YTD, annualized)

0.08%-140 bps YoY

Net Interest Margin (YTD, annualized)

3.21%

n/a

Efficiency Ratio (YTD, annualized)

97.47%

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1999	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	YoY Δ	Trend
Earnings
Return on Assets	0.92%	0.71%	0.51%	1.49%	0.99%	0.71%	0.62%	0.08%	-140 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	n/a	3.21%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	97.47%	n/a	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	n/a	3.09%	n/a	n/a
Growth
Asset Growth (YoY)	7.95%	-4.28%	-5.00%	-2.26%	-4.92%	19.72%	20.67%	18.93%	+2,119 bps
Loan Growth (YoY)	27.80%	31.21%	25.91%	11.50%	9.86%	12.26%	20.27%	11.82%	+31 bps
Deposit Growth (YoY)	8.16%	-5.45%	-7.75%	-3.13%	-6.25%	21.27%	24.16%	20.66%	+2,379 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	0.00%	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	0.49%	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	12.86%	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	9.07%	n/a	n/a
Liquidity & Funding
Loans / Deposits	61.18%	71.46%	69.98%	70.77%	71.68%	66.15%	67.79%	65.59%	-519 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	13.51%	+1,351 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a