PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Champaign National Bank and Trust

Urbana, OH · Cert 6714

FDIC

Q3 2007

$274.2MAssets
$214.4MLoans
$230.8MDeposits
$26.8MEquity
Loan mix
82%RE $144.7M18%C&I $31.0M0%Consumer $0.4MQ3 2006Q3 2007
Deposit mix
86%Interest-bearing $198.3M14%Noninterest $32.4MQ3 2006Q3 2007

NIM

5.79%Q3 ’056.90%Q3 ’066.91%Q3 ’07+6%-8%

Non-interest income vs. expense

3.19%Q3 ’053.52%Q3 ’063.14%Q3 ’07+12%-13%

Executive Summary

  • Earnings: ROA of 1.10%, down 2 bps year over year; NIM at 3.92%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.16%.
  • Funding: loans stand at 92.88% of deposits as of Q3 2007.

Financial Results

Return on Assets (quarter, annualized)

1.10%-2 bps YoY

Net Interest Margin (quarter, annualized)

3.92%-34 bps YoY

Efficiency Ratio (quarter, annualized)

66.28%-263 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets1.13%1.44%1.14%0.31%1.10%-2 bps
Return on Equity10.74%14.63%12.22%3.32%11.51%+77 bps
Net Interest Margin4.26%4.12%4.06%3.73%3.92%-34 bps
Efficiency Ratio68.91%65.19%71.05%73.47%66.28%-263 bps
Non-Interest Burden2.68%2.08%2.67%2.55%2.33%-35 bps
Growth
Asset Growth (YoY)0.26%1.52%3.19%5.09%2.53%+227 bps
Loan Growth (YoY)2.37%4.53%4.45%3.32%-0.22%-259 bps
Deposit Growth (YoY)1.25%4.44%4.23%8.52%1.66%+41 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.18%1.68%-0.40%0.07%0.16%+34 bps
Allowance / Loans1.20%0.78%0.90%1.14%1.11%-9 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 Capital14.16%12.45%12.85%12.90%13.29%-87 bps
Equity / Assets10.44%9.31%9.28%9.41%9.77%-68 bps
Liquidity & Funding
Loans / Deposits94.64%93.16%91.22%92.37%92.88%-175 bps
Liquid Assets / Assets0.01%0.00%0.02%0.02%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a