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First National Bank of Millstadt

Millstadt, IL · Cert 3816

FDIC

Q3 2007

$86.3MAssets
$37.5MLoans
$74.9MDeposits
$10.1MEquity
Deposit mix
92%Interest-bearing $69.1M8%Noninterest $5.8MQ4 2005Q3 2007

Executive Summary

  • Earnings: ROA of -1.15%, down 163 bps year over year; NIM at 2.54%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.04%.
  • Funding: loans stand at 50.04% of deposits as of Q3 2007.

Return on Assets (YTD, annualized)

-1.15%-163 bps YoY

Net Interest Margin (YTD, annualized)

2.54%-31 bps YoY

Efficiency Ratio (YTD, annualized)

152.62%+7,263 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.33%Q3 ’054.61%Q3 ’064.90%Q3 ’07-6%-11%

Non-interest income vs. expense

2.40%Q3 ’052.73%Q3 ’064.64%Q3 ’07+7%+91%

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets0.69%0.45%0.51%0.48%0.47%0.33%0.35%-1.15%-163 bps
Return on Equity5.12%3.26%3.69%3.40%3.43%2.53%2.70%-9.05%-1,245 bps
Net Interest Margin3.14%2.87%2.80%2.85%2.95%2.88%2.46%2.54%-31 bps
Efficiency Ratio69.68%80.90%78.40%79.99%80.63%84.67%83.66%152.62%+7,263 bps
Non-Interest Burden2.07%2.23%2.08%2.17%2.27%2.36%1.98%4.14%+197 bps
Growth
Asset Growth (YoY)-3.68%-4.59%-3.38%-1.18%6.57%10.15%8.06%2.85%+403 bps
Loan Growth (YoY)2.24%4.10%3.40%6.98%10.02%5.13%-3.03%-9.39%-1,637 bps
Deposit Growth (YoY)-4.11%-4.27%-1.89%-1.79%7.19%11.30%8.72%4.34%+613 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.02%-0.02%-0.02%-0.02%-0.03%-0.10%-0.06%-0.04%-2 bps
Allowance / Loans1.19%1.17%1.13%1.09%1.08%1.12%1.17%1.21%+12 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital31.15%31.41%29.78%29.90%28.07%27.96%28.25%25.14%-476 bps
Equity / Assets13.65%14.09%13.97%14.14%12.96%13.04%13.25%11.69%-245 bps
Liquidity & Funding
Loans / Deposits51.07%54.31%55.98%57.62%52.42%51.30%49.93%50.04%-758 bps
Liquid Assets / Assets0.15%0.15%0.15%0.15%0.18%0.18%0.18%0.19%+4 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a