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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 $0.9MQ4 2013Q3 2015
Deposit mix
89%Interest-bearing $55.6M11%Noninterest $7.2MQ4 2013Q3 2015

Executive Summary

  • 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%.
  • Capital: tier 1 leverage ratio of 28.03%.
  • Funding: loans stand at 67.41% of deposits as of Q3 2015.

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%

NIM

3.30%Q3 ’133.24%Q3 ’143.26%Q3 ’15-1%+2%

Non-interest income vs. expense

2.22%Q3 ’132.39%Q3 ’146.48%Q3 ’15+2%+197%

Discrete quarter, annualized.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.43%0.82%0.90%0.65%0.20%10.47%10.36%-3.02%-367 bps
Return on Equity1.52%2.95%3.23%2.29%0.68%1.61%1.26%-10.66%-1,295 bps
Net Interest Margin2.87%2.90%3.29%2.94%2.91%3.04%2.87%3.00%+6 bps
Efficiency Ratio83.80%70.37%62.86%73.33%91.29%90.61%84.10%194.66%+12,133 bps
Non-Interest Burden2.37%1.95%1.95%2.07%2.63%2.73%2.37%6.15%+408 bps
Growth
Asset Growth (YoY)-2.56%-0.17%1.58%1.08%0.56%-1.60%-1.21%0.48%-60 bps
Loan Growth (YoY)11.71%15.29%9.73%9.57%6.97%6.93%13.30%9.75%+17 bps
Deposit Growth (YoY)-2.05%0.35%0.98%-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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.14%0.00%0.00%0.02%0.00%0.06%0.00%0.00%-2 bps
Allowance / Loans0.91%1.05%1.03%1.03%1.01%1.02%0.95%0.98%-5 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/a28.55%28.79%28.03%n/a
Total Risk-Based Capital68.10%69.88%67.26%66.42%64.63%65.65%61.28%61.96%-446 bps
Equity / Assets28.03%27.72%28.01%28.70%28.82%29.01%28.64%27.98%-72 bps
Liquidity & Funding
Loans / Deposits59.93%57.91%59.75%62.50%64.84%64.17%69.06%67.41%+492 bps
Liquid Assets / Assets15.20%16.64%16.21%14.81%14.80%18.39%15.71%20.25%+544 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a