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

Deposit mix

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.

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.

Metric	Q3 2010	Q4 2010	Q1 2011	Q2 2011	Q3 2011	Q4 2011	Q1 2012	Q2 2012	YoY Δ	Trend
Earnings
Return on Assets	0.36%	0.17%	0.60%	0.55%	0.56%	0.20%	-0.64%	-0.26%	-80 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	3.88%	3.93%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	112.45%	102.39%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	4.39%	4.03%	n/a
Growth
Asset Growth (YoY)	3.40%	-2.32%	-0.13%	-2.68%	-6.46%	-5.83%	-5.03%	-5.46%	-278 bps
Loan Growth (YoY)	8.10%	3.46%	1.40%	-4.15%	-6.80%	-8.33%	-8.05%	-7.77%	-362 bps
Deposit Growth (YoY)	1.67%	-6.34%	-3.99%	-4.94%	-9.40%	-8.15%	-4.76%	-5.13%	-18 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	0.00%	0.00%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	0.91%	0.99%	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	15.46%	15.12%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	7.68%	8.02%	n/a
Liquidity & Funding
Loans / Deposits	100.96%	104.07%	103.34%	104.83%	103.87%	103.87%	99.77%	101.91%	-292 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	8.08%	7.10%	+710 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a