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First Capital Bank

Peoria, IL · Cert 34157

FDIC

Q1 2005

$248.6MAssets
$148.6MLoans
$147.2MDeposits
$43.0MEquity
Loan mix
43%RE $38.7M56%C&I $50.3M0%Consumer $0.2MQ1 2004Q1 2005
Deposit mix
90%Interest-bearing $133.1M10%Noninterest $14.1MQ1 2004Q1 2005

NIM

5.15%Q1 ’035.06%Q1 ’044.52%Q1 ’05+21%-9%

Non-interest income vs. expense

1.86%Q1 ’032.08%Q1 ’041.81%Q1 ’05+34%-5%

Executive Summary

  • Earnings: ROA of 0.82%, down 5 bps year over year; NIM at 2.89%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 100.97% of deposits as of Q1 2005.

Financial Results

Return on Assets (quarter, annualized)

0.82%-5 bps YoY

Net Interest Margin (quarter, annualized)

2.89%-29 bps YoY

Efficiency Ratio (quarter, annualized)

53.35%-459 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets0.87%-0.54%0.79%0.81%0.82%-5 bps
Return on Equity12.38%-4.38%4.79%4.81%4.77%-760 bps
Net Interest Margin3.18%-1.83%2.79%2.71%2.89%-29 bps
Efficiency Ratio57.94%59.63%53.49%57.31%53.35%-459 bps
Non-Interest Burden1.67%-0.97%1.38%1.62%1.58%-9 bps
Growth
Asset Growth (YoY)-0.13%17.49%20.64%14.86%18.41%+1,854 bps
Loan Growth (YoY)4.22%9.26%1.52%-4.55%-0.74%-495 bps
Deposit Growth (YoY)-2.31%3.74%14.41%3.61%1.32%+363 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.25%0.00%0.04%0.00%0 bps
Allowance / Loans1.18%1.27%1.45%1.49%1.48%+30 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%10.31%11.31%11.96%12.10%+119 bps
Equity / Assets7.38%16.47%16.40%17.16%17.29%+991 bps
Liquidity & Funding
Loans / Deposits103.06%98.00%89.35%98.25%100.97%-209 bps
Liquid Assets / Assets0.08%0.55%2.54%0.72%0.26%+18 bps
CRE / Total Capitaln/an/an/an/an/an/an/a