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Herget National Bank of Pekin, The

Pekin, IL · Cert 3725

FDIC · 5 branches

Q4 2014

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 2014, the quarter ended December 31, 2014, 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

Herget National Bank of Pekin, The

Pekin, IL · Cert 3725

FDIC · 5 branches

Q4 2014

$278.3MAssets
$112.6MLoans
$247.1MDeposits
$29.7MEquity
Loan mix
88%RE $88.9M9%C&I $8.9M3%Consumer $2.7MQ4 2013Q4 2014
Deposit mix
92%Interest-bearing $227.2M8%Noninterest $19.9MQ4 2013Q4 2014

NIM

3.14%Q4 ’122.72%Q4 ’132.83%Q4 ’14-11%+8%

Non-interest income vs. expense

2.92%Q4 ’122.84%Q4 ’132.72%Q4 ’14+14%+17%

Market Position · Peoria, IL · 2014 SOD (annual) · 3.5% share · #6 of 42 inst. · $0.2B of $6.9B

9.5% Tazewell
0.0% Peoria

Executive Summary

  • Earnings: ROA of 0.34%, down 24 bps year over year; NIM at 2.53%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.61%.
  • Funding: loans stand at 45.58% of deposits as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

0.34%-24 bps YoY

Net Interest Margin (YTD, annualized)

2.53%+18 bps YoY

Efficiency Ratio (YTD, annualized)

81.39%+145 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets0.58%0.47%0.54%0.38%0.34%-24 bps
Return on Equity5.51%4.63%5.16%3.65%3.24%-228 bps
Net Interest Margin2.35%2.59%2.53%2.52%2.53%+18 bps
Efficiency Ratio79.94%81.19%78.64%79.66%81.39%+145 bps
Non-Interest Burden1.63%1.92%1.80%1.84%1.91%+27 bps
Growth
Asset Growth (YoY)5.76%7.49%4.02%0.84%1.58%-418 bps
Loan Growth (YoY)-2.04%0.08%1.94%-1.05%-1.57%+47 bps
Deposit Growth (YoY)6.98%8.36%3.43%0.20%0.95%-603 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.20%0.42%0.57%0.84%0.61%+42 bps
Allowance / Loans1.74%1.77%1.68%1.48%1.67%-7 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 Capital23.04%23.04%23.11%23.87%24.00%+96 bps
Equity / Assets10.09%10.24%10.86%10.80%10.67%+58 bps
Liquidity & Funding
Loans / Deposits46.75%45.24%47.74%47.13%45.58%-117 bps
Liquid Assets / Assets17.06%17.50%11.06%13.48%15.81%-125 bps
CRE / Total Capitaln/an/an/an/an/an/an/a