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Prairie Bank and Trust Company

Bridgeview, IL · Cert 33551

FDIC

Q1 2007

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: Q1 2007, the quarter ended March 31, 2007, 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

Prairie Bank and Trust Company

Bridgeview, IL · Cert 33551

FDIC

Q1 2007

$542.5MAssets
$433.1MLoans
$465.3MDeposits
$53.9MEquity
Loan mix
92%RE $295.0M8%C&I $26.0M0%Consumer $0.0MQ1 2006Q1 2007
Deposit mix
92%Interest-bearing $429.4M8%Noninterest $35.9MQ1 2006Q1 2007

NIM

6.31%Q1 ’057.49%Q1 ’067.88%Q1 ’07+7%-6%

Non-interest income vs. expense

2.29%Q1 ’052.14%Q1 ’062.87%Q1 ’07-7%+33%

Executive Summary

  • Earnings: ROA of 1.49%, down 56 bps year over year; NIM at 3.98%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.07%.
  • Funding: loans stand at 93.08% of deposits as of Q1 2007.

Financial Results

Return on Assets (YTD, annualized)

1.49%-56 bps YoY

Net Interest Margin (YTD, annualized)

3.98%-27 bps YoY

Efficiency Ratio (YTD, annualized)

63.51%+1,735 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2006Q2 2006Q3 2006Q4 2006Q1 2007YoY ΔTrend
Earnings
Return on Assets2.06%2.15%2.19%2.18%1.49%-56 bps
Return on Equity25.44%26.74%26.46%25.70%15.56%-988 bps
Net Interest Margin4.25%4.06%4.25%4.24%3.98%-27 bps
Efficiency Ratio46.16%46.20%46.12%46.70%63.51%+1,735 bps
Non-Interest Burden1.75%1.68%1.76%1.78%2.33%+57 bps
Growth
Asset Growth (YoY)23.70%23.77%5.08%4.80%-6.48%-3,018 bps
Loan Growth (YoY)22.56%13.60%7.42%5.15%-1.66%-2,422 bps
Deposit Growth (YoY)22.57%23.57%-2.55%0.30%-10.04%-3,261 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.23%0.13%0.09%0.10%0.07%-16 bps
Allowance / Loans1.19%1.28%1.39%1.39%1.42%+23 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 Capital10.90%11.21%12.06%12.19%12.87%+197 bps
Equity / Assets7.98%7.96%9.05%9.27%9.94%+196 bps
Liquidity & Funding
Loans / Deposits85.15%84.89%92.27%91.13%93.08%+793 bps
Liquid Assets / Assets0.07%0.14%0.15%0.15%0.07%-1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a