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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

5.19%Q3 ’035.32%Q3 ’045.58%Q3 ’05+18%+8%

Non-interest income vs. expense

2.57%Q3 ’032.72%Q3 ’043.16%Q3 ’05+27%+19%

Executive Summary

  • Earnings: ROA of 0.50%, down 6 bps year over year; NIM at 3.21%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.07%.
  • Funding: loans stand at 93.62% of deposits as of Q3 2005.

Financial Results

Return on Assets (quarter, annualized)

0.50%-6 bps YoY

Net Interest Margin (quarter, annualized)

3.21%+25 bps YoY

Efficiency Ratio (quarter, annualized)

80.58%+553 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets0.57%0.75%0.80%0.71%0.50%-6 bps
Return on Equity6.64%8.58%9.33%8.28%5.69%-96 bps
Net Interest Margin2.96%3.11%3.12%3.04%3.21%+25 bps
Efficiency Ratio75.05%71.34%67.49%71.25%80.58%+553 bps
Non-Interest Burden2.06%2.00%1.87%1.97%2.45%+39 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 / Loans0.23%0.02%0.02%0.20%0.07%-16 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