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First National Bank in Homer

Homer, IL · Cert 3680

FDIC

Q4 2004

$10.7MAssets
$6.3MLoans
$9.6MDeposits
$1.1MEquity
Deposit mix
63%Interest-bearing $6.0M37%Noninterest $3.5MQ4 2003Q4 2004

NIM

5.70%Q4 ’025.17%Q4 ’035.19%Q4 ’04+3%+9%

Non-interest income vs. expense

4.24%Q4 ’024.05%Q4 ’035.64%Q4 ’04-6%+43%

Executive Summary

  • Earnings: ROA of -0.88%, down 77 bps year over year; NIM at 4.33%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 1.17%.
  • Funding: loans stand at 65.71% of deposits as of Q4 2004.

Financial Results

Return on Assets (YTD, annualized)

-0.88%-77 bps YoY

Net Interest Margin (YTD, annualized)

4.33%+35 bps YoY

Efficiency Ratio (YTD, annualized)

116.90%+2,561 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2003Q1 2004Q2 2004Q3 2004Q4 2004YoY ΔTrend
Earnings
Return on Assets-0.11%-0.07%-0.22%-0.54%-0.88%-77 bps
Return on Equity-1.06%-0.65%-2.15%-5.22%-8.46%-739 bps
Net Interest Margin3.98%3.73%4.09%4.34%4.33%+35 bps
Efficiency Ratio91.30%101.43%104.69%111.30%116.90%+2,561 bps
Non-Interest Burden3.59%3.79%4.30%4.89%5.15%+156 bps
Growth
Asset Growth (YoY)8.42%0.46%-4.95%-9.67%-10.58%-1,900 bps
Loan Growth (YoY)-13.76%-14.34%-7.97%-1.47%-12.95%+82 bps
Deposit Growth (YoY)9.78%0.57%-5.28%-10.24%-10.75%-2,053 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-1.05%-0.99%-0.61%-0.41%-1.17%-12 bps
Allowance / Loans5.17%6.02%5.75%5.58%7.11%+194 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 Capital17.94%19.75%18.96%18.11%20.27%+233 bps
Equity / Assets10.19%10.12%10.59%10.72%10.38%+20 bps
Liquidity & Funding
Loans / Deposits67.37%59.50%69.02%72.79%65.71%-166 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a