First National Bank of Sumner, The

Sumner, IL · Cert 3839

FDIC

Q2 2004

$6.7MAssets

$1.0MLoans

n/aDeposits

$6.7MEquity

NIM

Earnings: ROA of -0.03%, down 191 bps year over year; NIM at 2.12%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 26.56%.

Return on Assets (YTD, annualized)

-0.03%-191 bps YoY

Net Interest Margin (YTD, annualized)

2.12%-301 bps YoY

Efficiency Ratio (YTD, annualized)

251%+12,189 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q2 2003	Q3 2003	Q4 2003	Q1 2004	Q2 2004	YoY Δ	Trend
Earnings
Return on Assets	1.88%	1.61%	0.92%	-0.18%	-0.03%	-191 bps
Return on Equity	1.95%	1.66%	0.94%	-0.18%	-0.03%	-198 bps
Net Interest Margin	5.13%	5.33%	4.75%	2.16%	2.12%	-301 bps
Efficiency Ratio	128.81%	130.40%	134.26%	322%	251%	+12,189 bps
Non-Interest Burden	6.65%	6.99%	6.40%	6.94%	5.32%	-134 bps
Growth
Asset Growth (YoY)	-86.49%	-86.17%	-8.64%	-0.67%	-0.04%	+8,645 bps
Loan Growth (YoY)	-87.03%	-88.03%	-64.08%	-60.25%	-55.15%	+3,188 bps
Deposit Growth (YoY)	-100.00%	-100.00%	n/a	n/a	n/a	n/a
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	-9.81%	-9.72%	-8.66%	-20.80%	-26.56%	-1,675 bps
Allowance / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 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	198.72%	231%	279%	300%	309%	+10,981 bps
Equity / Assets	100.00%	100.00%	100.00%	100.00%	100.00%	0 bps
Liquidity & Funding
Loans / Deposits	n/a	n/a	n/a	n/a	n/a	n/a
Liquid Assets / Assets	60.75%	69.42%	78.43%	81.76%	82.76%	+2,201 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a