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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

5.33%Q3 ’104.66%Q3 ’114.34%Q3 ’12-9%-6%

Non-interest income vs. expense

2.64%Q3 ’102.91%Q3 ’112.40%Q3 ’12+24%-20%

Executive Summary

  • Earnings: ROA of 1.76%, up 143 bps year over year; NIM at 3.27%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 68.11% of deposits as of Q3 2012.

Financial Results

Return on Assets (quarter, annualized)

1.76%+143 bps YoY

Net Interest Margin (quarter, annualized)

3.27%-22 bps YoY

Efficiency Ratio (quarter, annualized)

66.46%-956 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.33%0.44%1.82%0.85%1.76%+143 bps
Return on Equity4.01%5.19%21.16%9.61%18.54%+1,453 bps
Net Interest Margin3.50%3.39%3.64%3.42%3.27%-22 bps
Efficiency Ratio76.02%72.97%54.74%64.92%66.46%-956 bps
Non-Interest Burden2.58%2.38%1.63%2.25%2.06%-52 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 / Loans2.02%1.54%0.34%0.00%0.00%-202 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