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First Federal Savings and Loan Association of Mattoon

Mattoon, IL · Cert 27858

FDIC · 1 branch

Q3 2015

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: Q3 2015, the quarter ended September 30, 2015, on both parts.

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

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

First Federal Savings and Loan Association of Mattoon

Mattoon, IL · Cert 27858

FDIC · 1 branch

Q3 2015

$88.2MAssets
$42.3MLoans
$62.7MDeposits
$24.7MEquity
Loan mix
88%RE $29.4M10%C&I $3.2M3%Consumer $0.9MQ3 2014Q3 2015
Deposit mix
89%Interest-bearing $55.6M11%Noninterest $7.2MQ3 2014Q3 2015

NIM

3.12%Q3 ’133.35%Q3 ’143.24%Q3 ’15+10%-2%

Non-interest income vs. expense

2.27%Q3 ’132.30%Q3 ’144.05%Q3 ’150%+88%

Executive Summary

  • Earnings: ROA of -0.73%, down 153 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 28.03%.
  • Funding: loans stand at 67.41% of deposits as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

-0.73%-153 bps YoY

Net Interest Margin (YTD, annualized)

2.98%-7 bps YoY

Efficiency Ratio (YTD, annualized)

123.83%+5,519 bps YoY

Tier 1 Leverage Ratio

28.03%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.79%0.65%0.47%10.41%-0.73%-153 bps
Return on Equity2.82%2.28%1.61%1.44%-2.56%-539 bps
Net Interest Margin3.05%3.00%3.04%2.96%2.98%-7 bps
Efficiency Ratio68.63%74.14%90.61%87.41%123.83%+5,519 bps
Non-Interest Burden1.99%2.15%2.73%2.56%3.76%+176 bps
Growth
Asset Growth (YoY)1.08%0.56%-1.60%-1.21%0.48%-60 bps
Loan Growth (YoY)9.57%6.97%6.93%13.30%9.75%+17 bps
Deposit Growth (YoY)-0.15%-1.14%-3.50%-1.97%1.74%+189 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.01%0.06%0.03%0.02%+1 bps
Allowance / Loans1.03%1.01%1.02%0.95%0.98%-5 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a28.55%28.79%28.03%n/a
Total Risk-Based Capital66.42%64.63%65.65%61.28%61.96%-446 bps
Equity / Assets28.70%28.82%29.01%28.64%27.98%-72 bps
Liquidity & Funding
Loans / Deposits62.50%64.84%64.17%69.06%67.41%+492 bps
Liquid Assets / Assets14.81%14.80%18.39%15.71%20.25%+544 bps
CRE / Total Capitaln/an/an/an/an/an/an/a