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

Deposit mix

NIM

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

Earnings: ROA of 0.21%, down 48 bps year over year; NIM at 2.53%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.11%.
Funding: loans stand at 45.58% of deposits as of Q4 2014.

Return on Assets (quarter, annualized)

0.21%-48 bps YoY

Net Interest Margin (quarter, annualized)

2.53%-2 bps YoY

Efficiency Ratio (quarter, annualized)

86.77%+836 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q4 2013	Q1 2014	Q2 2014	Q3 2014	Q4 2014	YoY Δ	Trend
Earnings
Return on Assets	0.69%	0.47%	0.60%	0.08%	0.21%	-48 bps
Return on Equity	6.83%	4.63%	5.67%	0.71%	1.99%	-483 bps
Net Interest Margin	2.55%	2.59%	2.51%	2.49%	2.53%	-2 bps
Efficiency Ratio	78.41%	81.19%	75.97%	81.79%	86.77%	+836 bps
Non-Interest Burden	1.75%	1.92%	1.71%	1.90%	2.10%	+35 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 / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	-0.14%	0.42%	0.73%	1.36%	-0.11%	+3 bps
Allowance / Loans	1.74%	1.77%	1.68%	1.48%	1.67%	-7 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	23.04%	23.04%	23.11%	23.87%	24.00%	+96 bps
Equity / Assets	10.09%	10.24%	10.86%	10.80%	10.67%	+58 bps
Liquidity & Funding
Loans / Deposits	46.75%	45.24%	47.74%	47.13%	45.58%	-117 bps
Liquid Assets / Assets	17.06%	17.50%	11.06%	13.48%	15.81%	-125 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a