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

Deposit mix

NIM

Earnings: ROA of -3.02%, down 367 bps year over year; NIM at 3.00%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.

Return on Assets (quarter, annualized)

-3.02%-367 bps YoY

Net Interest Margin (quarter, annualized)

3.00%+6 bps YoY

Efficiency Ratio (quarter, annualized)

194.66%+12,133 bps YoY

Tier 1 Leverage Ratio

28.03%

Discrete quarter, annualized.

Metric	Q3 2014	Q4 2014	Q1 2015	Q2 2015	Q3 2015	YoY Δ	Trend
Earnings
Return on Assets	0.65%	0.20%¹	0.47%¹	0.36%	-3.02%	-367 bps
Return on Equity	2.29%	0.68%	1.61%	1.26%	-10.66%	-1,295 bps
Net Interest Margin	2.94%	2.91%	3.04%	2.87%	3.00%	+6 bps
Efficiency Ratio	73.33%	91.29%	90.61%	84.10%	194.66%	+12,133 bps
Non-Interest Burden	2.07%	2.63%	2.73%	2.37%	6.15%	+408 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 / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.02%	0.00%	0.06%	0.00%	0.00%	-2 bps
Allowance / Loans	1.03%	1.01%	1.02%	0.95%	0.98%	-5 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	28.55%	28.79%	28.03%	n/a
Total Risk-Based Capital	66.42%	64.63%	65.65%	61.28%	61.96%	-446 bps
Equity / Assets	28.70%	28.82%	29.01%	28.64%	27.98%	-72 bps
Liquidity & Funding
Loans / Deposits	62.50%	64.84%	64.17%	69.06%	67.41%	+492 bps
Liquid Assets / Assets	14.81%	14.80%	18.39%	15.71%	20.25%	+544 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a