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Rantoul First Bank, S.B.

Rantoul, IL · Cert 30590

FDIC

Q3 2005

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 2005, the quarter ended September 30, 2005, 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

Rantoul First Bank, S.B.

Rantoul, IL · Cert 30590

FDIC

Q3 2005

$29.5MAssets
$14.4MLoans
$26.7MDeposits
$1.7MEquity
Loan mix
94%RE $11.7M4%C&I $0.5M2%Consumer $0.3MQ3 2004Q3 2005
Deposit mix
98%Interest-bearing $26.2M2%Noninterest $0.5MQ3 2004Q3 2005

NIM

5.44%Q3 ’035.03%Q3 ’045.00%Q3 ’05+7%-5%

Non-interest income vs. expense

3.80%Q3 ’033.80%Q3 ’046.06%Q3 ’05+5%+21%

Executive Summary

  • Earnings: ROA of -2.77%, down 193 bps year over year; NIM at 2.67%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.16%.
  • Funding: loans stand at 54.08% of deposits as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

-2.77%-193 bps YoY

Net Interest Margin (YTD, annualized)

2.67%-13 bps YoY

Efficiency Ratio (YTD, annualized)

134.86%+1,253 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets-0.84%-0.34%-0.96%0.80%-2.77%-193 bps
Return on Equity-11.70%-4.72%-13.04%10.43%-38.24%-2,655 bps
Net Interest Margin2.80%2.92%2.78%2.79%2.67%-13 bps
Efficiency Ratio122.33%114.09%129.75%84.29%134.86%+1,253 bps
Non-Interest Burden3.49%3.38%3.71%1.96%4.23%+74 bps
Growth
Asset Growth (YoY)1.44%-4.48%-3.90%-6.99%-8.21%-965 bps
Loan Growth (YoY)-6.55%3.23%4.69%-2.67%-8.22%-168 bps
Deposit Growth (YoY)-1.43%-2.40%-3.40%-5.84%-2.73%-129 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.25%0.20%-0.18%-0.21%-0.16%-40 bps
Allowance / Loans1.86%1.40%1.47%1.64%1.67%-19 bps
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 Capital17.01%17.98%17.61%20.38%15.37%-164 bps
Equity / Assets7.00%7.56%7.16%8.40%5.79%-121 bps
Liquidity & Funding
Loans / Deposits57.32%58.00%57.87%56.27%54.08%-324 bps
Liquid Assets / Assets1.85%0.45%0.99%1.26%6.07%+422 bps
CRE / Total Capitaln/an/an/an/an/an/an/a