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First Federal Savings and Loan Association of Pekin

Pekin, IL · Cert 30132

FDIC

Q2 2012

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: Q2 2012, the quarter ended June 30, 2012, 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 2026-10-11

First Federal Savings and Loan Association of Pekin

Pekin, IL · Cert 30132

FDIC

Q2 2012

$26.0MAssets
$21.5MLoans
$21.1MDeposits
$2.1MEquity
Loan mix
96%RE $19.0M1%C&I $0.2M3%Consumer $0.6MQ2 2011Q2 2012
Deposit mix
96%Interest-bearing $20.3M4%Noninterest $0.7MQ2 2011Q2 2012

NIM

5.03%Q1 ’125.05%Q2 ’12+1%

Non-interest income vs. expense

4.57%Q1 ’124.21%Q2 ’12-8%

Executive Summary

  • Earnings: ROA of -0.26%, down 80 bps year over year; NIM at 3.93%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 101.91% of deposits as of Q2 2012.

Financial Results

Return on Assets (YTD, annualized)

-0.26%-80 bps YoY

Net Interest Margin (YTD, annualized)

3.93%

Efficiency Ratio (YTD, annualized)

102.39%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets0.55%0.56%0.20%-0.64%-0.26%-80 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a3.88%3.93%n/a
Efficiency Ration/an/an/a112.45%102.39%n/a
Non-Interest Burdenn/an/an/a4.39%4.03%n/a
Growth
Asset Growth (YoY)-2.68%-6.46%-5.83%-5.03%-5.46%-278 bps
Loan Growth (YoY)-4.15%-6.80%-8.33%-8.05%-7.77%-362 bps
Deposit Growth (YoY)-4.94%-9.40%-8.15%-4.76%-5.13%-18 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.00%0.00%n/a
Allowance / Loansn/an/an/a0.91%0.99%n/a
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 Capitaln/an/an/a15.46%15.12%n/a
Equity / Assetsn/an/an/a7.68%8.02%n/a
Liquidity & Funding
Loans / Deposits104.83%103.87%103.87%99.77%101.91%-292 bps
Liquid Assets / Assets0.00%0.00%0.00%8.08%7.10%+710 bps
CRE / Total Capitaln/an/an/an/an/an/an/a