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Citizens First National Bank

Princeton, IL · Cert 3731

FDIC

Q3 2012

$924.0MAssets
$510.2MLoans
$869.4MDeposits
$18.4MEquity
Loan mix
89%RE $319.5M9%C&I $33.9M2%Consumer $7.2MQ3 2011Q3 2012
Deposit mix
81%Interest-bearing $700.7M19%Noninterest $168.8MQ3 2011Q3 2012

NIM

4.44%Q3 ’103.86%Q3 ’113.32%Q3 ’12-8%-10%

Non-interest income vs. expense

3.23%Q3 ’103.58%Q3 ’114.64%Q3 ’12+23%+40%

Executive Summary

  • Earnings: ROA of -0.01%, up 645 bps year over year; NIM at 2.92%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.72%.
  • Funding: loans stand at 58.68% of deposits as of Q3 2012.

Financial Results

Return on Assets (quarter, annualized)

-0.01%+645 bps YoY

Net Interest Margin (quarter, annualized)

2.92%-33 bps YoY

Efficiency Ratio (quarter, annualized)

139.40%+4,619 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets-6.46%-13.10%0.47%-2.38%-0.01%+645 bps
Return on Equity-96.69%-289%15.50%-90.01%-0.28%+9,641 bps
Net Interest Margin3.26%3.26%3.20%3.04%2.92%-33 bps
Efficiency Ratio93.20%106.75%92.14%108.40%139.40%+4,619 bps
Non-Interest Burden3.05%3.59%2.90%3.44%4.28%+122 bps
Growth
Asset Growth (YoY)-3.90%-7.38%-5.40%-10.69%-13.61%-971 bps
Loan Growth (YoY)-12.10%-12.17%-17.25%-20.80%-20.37%-827 bps
Deposit Growth (YoY)-2.11%-4.74%-3.05%-6.63%-7.44%-532 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans6.61%12.84%0.52%13.23%2.72%-389 bps
Allowance / Loans2.58%4.88%5.20%4.30%3.72%+115 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 Capital9.17%4.60%5.12%4.33%4.43%-474 bps
Equity / Assets6.01%2.98%3.05%2.22%2.00%-401 bps
Liquidity & Funding
Loans / Deposits68.21%67.94%62.07%59.62%58.68%-953 bps
Liquid Assets / Assets7.23%5.60%9.68%13.91%17.53%+1,030 bps
CRE / Total Capitaln/an/an/an/an/an/an/a