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First National Bank of Mt. Pulaski, The

Mount Pulaski, IL · Cert 3715

FDIC

Q4 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: Q4 2007, the quarter ended December 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

First National Bank of Mt. Pulaski, The

Mount Pulaski, IL · Cert 3715

FDIC

Q4 2007

$43.5MAssets
$22.0MLoans
$37.2MDeposits
$3.7MEquity
Loan mix
98%RE $15.7M2%C&I $0.4M0%Consumer $0.0MQ4 2006Q4 2007
Deposit mix
83%Interest-bearing $30.9M17%Noninterest $6.3MQ4 2006Q4 2007

NIM

5.24%Q4 ’055.65%Q4 ’066.08%Q4 ’07-8%+6%

Non-interest income vs. expense

4.32%Q4 ’053.59%Q4 ’063.83%Q4 ’07-21%-14%

Executive Summary

  • Earnings: ROA of 0.14%, down 2 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.40%.
  • Funding: loans stand at 59.23% of deposits as of Q4 2007.

Financial Results

Return on Assets (YTD, annualized)

0.14%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.38%+19 bps YoY

Efficiency Ratio (YTD, annualized)

82.79%-1,243 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2006Q1 2007Q2 2007Q3 2007Q4 2007YoY ΔTrend
Earnings
Return on Assets0.16%0.41%0.32%-0.11%0.14%-2 bps
Return on Equity2.05%5.10%3.91%-1.32%1.68%-36 bps
Net Interest Margin3.20%3.37%3.38%3.38%3.38%+19 bps
Efficiency Ratio95.23%88.32%88.88%92.63%82.79%-1,243 bps
Non-Interest Burden3.02%2.92%2.95%3.10%2.59%-43 bps
Growth
Asset Growth (YoY)-4.17%-0.86%0.98%1.50%1.44%+561 bps
Loan Growth (YoY)-5.30%-6.38%-7.27%-7.19%-14.90%-960 bps
Deposit Growth (YoY)-4.81%-4.68%-5.27%-2.08%-3.96%+85 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.58%-1.10%-0.41%0.15%0.40%-17 bps
Allowance / Loans0.65%0.94%0.98%1.12%1.60%+95 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 Capital14.65%15.00%15.21%15.80%16.83%+218 bps
Equity / Assets8.16%8.11%8.14%8.47%8.54%+38 bps
Liquidity & Funding
Loans / Deposits66.85%67.84%67.91%67.03%59.23%-761 bps
Liquid Assets / Assets1.10%0.75%0.90%0.95%0.64%-46 bps
CRE / Total Capitaln/an/an/an/an/an/an/a