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White Hall National Bank, The

White Hall, IL · Cert 3844

FDIC

Q3 2012

$52.7MAssets
$29.9MLoans
$43.9MDeposits
$5.2MEquity
Loan mix
68%RE $14.7M28%C&I $6.2M4%Consumer $0.8MQ3 2011Q3 2012
Deposit mix
89%Interest-bearing $38.9M11%Noninterest $5.0MQ3 2011Q3 2012

NIM

5.20%Q3 ’104.64%Q3 ’114.57%Q3 ’12-7%+1%

Non-interest income vs. expense

2.54%Q3 ’102.68%Q3 ’112.36%Q3 ’12+26%-21%

Executive Summary

  • Earnings: ROA of 1.49%, up 93 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.12%.
  • Funding: loans stand at 68.11% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

1.49%+93 bps YoY

Net Interest Margin (YTD, annualized)

3.47%+4 bps YoY

Efficiency Ratio (YTD, annualized)

61.45%-1,353 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.55%0.52%1.82%1.34%1.49%+93 bps
Return on Equity6.98%6.52%21.16%15.21%16.41%+943 bps
Net Interest Margin3.43%3.37%3.64%3.51%3.47%+4 bps
Efficiency Ratio74.98%74.45%54.74%59.15%61.45%-1,353 bps
Non-Interest Burden2.53%2.46%1.63%1.93%2.00%-54 bps
Growth
Asset Growth (YoY)13.83%8.94%3.30%8.08%0.11%-1,372 bps
Loan Growth (YoY)-1.37%-3.91%-2.95%0.62%-3.26%-189 bps
Deposit Growth (YoY)17.99%11.13%2.87%8.68%-1.50%-1,949 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.66%0.89%0.34%0.17%0.12%-54 bps
Allowance / Loans2.00%1.90%1.90%2.03%2.17%+17 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 Capital12.95%13.35%13.40%13.26%13.97%+101 bps
Equity / Assets8.43%8.64%8.54%9.24%9.80%+137 bps
Liquidity & Funding
Loans / Deposits69.35%68.87%64.48%67.52%68.11%-124 bps
Liquid Assets / Assets4.75%0.49%5.22%0.72%2.65%-210 bps
CRE / Total Capitaln/an/an/an/an/an/an/a