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Pekin Savings Bank

Pekin, IL · Cert 30775

FDIC

Q3 2005

$119.2MAssets
$88.7MLoans
$94.7MDeposits
$10.6MEquity
Deposit mix
96%Interest-bearing $91.2M4%Noninterest $3.6MQ3 2004Q3 2005

NIM

5.62%Q3 ’035.20%Q3 ’045.48%Q3 ’050%+11%

Non-interest income vs. expense

2.44%Q3 ’032.62%Q3 ’042.80%Q3 ’05+32%+7%

Executive Summary

  • Earnings: ROA of 0.68%, up 15 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
  • Funding: loans stand at 93.62% of deposits as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

0.68%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.13%+31 bps YoY

Efficiency Ratio (YTD, annualized)

73.19%-225 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 Assets0.53%0.58%0.80%0.76%0.68%+15 bps
Return on Equity6.13%6.75%9.33%8.79%7.74%+162 bps
Net Interest Margin2.81%2.88%3.12%3.05%3.13%+31 bps
Efficiency Ratio75.44%74.33%67.49%69.37%73.19%-225 bps
Non-Interest Burden1.96%1.96%1.87%1.90%2.10%+14 bps
Growth
Asset Growth (YoY)2.12%3.74%9.26%5.27%5.79%+367 bps
Loan Growth (YoY)18.59%26.04%27.55%21.87%15.89%-271 bps
Deposit Growth (YoY)-0.23%2.63%10.51%9.00%8.59%+882 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.06%0.05%0.02%0.11%0.09%+4 bps
Allowance / Loans0.78%0.78%0.79%0.76%0.78%0 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 Capital13.88%13.76%13.17%13.12%13.15%-72 bps
Equity / Assets8.70%8.85%8.41%8.76%8.91%+21 bps
Liquidity & Funding
Loans / Deposits87.73%89.36%85.85%89.11%93.62%+589 bps
Liquid Assets / Assets3.96%2.72%5.68%2.21%1.65%-231 bps
CRE / Total Capitaln/an/an/an/an/an/an/a