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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

5.46%Q3 ’035.04%Q3 ’044.74%Q3 ’05+4%-16%

Non-interest income vs. expense

3.56%Q3 ’033.40%Q3 ’049.12%Q3 ’05+3%+192%

Executive Summary

  • Earnings: ROA of -10.14%, down 996 bps year over year; NIM at 2.35%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.06%.
  • Funding: loans stand at 54.08% of deposits as of Q3 2005.

Financial Results

Return on Assets (quarter, annualized)

-10.14%-996 bps YoY

Net Interest Margin (quarter, annualized)

2.35%-46 bps YoY

Efficiency Ratio (quarter, annualized)

333%+22,728 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets-0.18%1.18%-0.96%2.60%-10.14%-996 bps
Return on Equity-2.55%16.21%-13.04%33.50%-142.82%-14,026 bps
Net Interest Margin2.82%3.13%2.78%2.72%2.35%-46 bps
Efficiency Ratio105.41%91.61%129.75%64.64%333%+22,728 bps
Non-Interest Burden2.99%2.84%3.71%0.11%8.74%+574 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 / Loans-0.20%0.08%-0.18%-0.22%-0.06%+15 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