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Letter portraitLegal landscapeQuarterYTD

First National Bank of Decatur, The

Decatur, IL · Cert 3649

FDIC

Q3 2004

$442.3MAssets
$265.3MLoans
$360.3MDeposits
$33.9MEquity
Loan mix
46%RE $58.1M53%C&I $67.0M0%Consumer $0.2MQ3 2003Q3 2004
Deposit mix
88%Interest-bearing $317.1M12%Noninterest $43.3MQ3 2003Q3 2004

NIM

5.74%Q3 ’024.92%Q3 ’034.52%Q3 ’04-7%-11%

Non-interest income vs. expense

2.44%Q3 ’022.38%Q3 ’032.35%Q3 ’04-16%+7%

Executive Summary

  • Earnings: ROA of 1.12%, down 25 bps year over year; NIM at 3.04%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Funding: loans stand at 73.64% of deposits as of Q3 2004.

Financial Results

Return on Assets (quarter, annualized)

1.12%-25 bps YoY

Net Interest Margin (quarter, annualized)

3.04%-36 bps YoY

Efficiency Ratio (quarter, annualized)

56.82%+520 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets1.38%1.34%1.25%1.08%1.12%-25 bps
Return on Equity14.84%17.41%16.44%14.23%14.73%-11 bps
Net Interest Margin3.40%3.21%3.22%3.01%3.04%-36 bps
Efficiency Ratio51.62%51.37%53.49%57.26%56.82%+520 bps
Non-Interest Burden1.18%1.03%1.21%1.23%1.27%+8 bps
Growth
Asset Growth (YoY)-2.32%-1.75%1.25%-0.34%3.39%+570 bps
Loan Growth (YoY)-6.44%-4.59%7.17%7.64%5.95%+1,239 bps
Deposit Growth (YoY)-0.71%-0.46%4.68%6.03%6.24%+695 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.18%0.18%0.05%0.05%0.04%-14 bps
Allowance / Loans1.52%1.50%1.49%1.52%1.54%+2 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 Capital12.20%12.06%11.82%11.81%12.04%-17 bps
Equity / Assets7.76%7.66%7.53%7.58%7.67%-9 bps
Liquidity & Funding
Loans / Deposits73.84%75.05%75.26%73.90%73.64%-20 bps
Liquid Assets / Assets8.52%7.98%9.92%9.05%7.73%-78 bps
CRE / Total Capitaln/an/an/an/an/an/an/a