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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

5.18%Q4 ’055.91%Q4 ’066.03%Q4 ’07+4%+1%

Non-interest income vs. expense

4.17%Q4 ’053.37%Q4 ’064.58%Q4 ’07-24%-61%

Executive Summary

  • Earnings: ROA of 0.89%, up 27 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.14%.
  • Funding: loans stand at 59.23% of deposits as of Q4 2007.

Financial Results

Return on Assets (quarter, annualized)

0.89%+27 bps YoY

Net Interest Margin (quarter, annualized)

3.40%+3 bps YoY

Efficiency Ratio (quarter, annualized)

66.25%-1,812 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2006Q1 2007Q2 2007Q3 2007Q4 2007YoY ΔTrend
Earnings
Return on Assets0.62%0.41%0.22%-0.98%0.89%+27 bps
Return on Equity7.53%5.10%2.71%-11.82%10.50%+297 bps
Net Interest Margin3.37%3.37%3.38%3.15%3.40%+3 bps
Efficiency Ratio84.38%88.32%89.45%101.06%66.25%-1,812 bps
Non-Interest Burden2.74%2.92%2.97%3.18%1.07%-168 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 / Loans1.95%-1.10%0.32%1.29%1.14%-80 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