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Bluestem National Bank

Fairbury, IL · Cert 9077

FDIC

Q4 2012

$107.6MAssets
$33.0MLoans
$99.9MDeposits
$7.4MEquity
Loan mix
75%RE $18.2M15%C&I $3.8M10%Consumer $2.4MQ4 2011Q4 2012
Deposit mix
82%Interest-bearing $81.8M18%Noninterest $18.1MQ4 2011Q4 2012

NIM

3.14%Q4 ’103.06%Q4 ’112.43%Q4 ’12+7%-20%

Non-interest income vs. expense

2.22%Q4 ’102.51%Q4 ’113.79%Q4 ’12+10%+53%

Executive Summary

  • Earnings: ROA of 0.87%, up 13 bps year over year; NIM at 2.24%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.05%.
  • Funding: loans stand at 33.00% of deposits as of Q4 2012.

Financial Results

Return on Assets (quarter, annualized)

0.87%1+13 bps YoY

Net Interest Margin (quarter, annualized)

2.24%-56 bps YoY

Efficiency Ratio (quarter, annualized)

122.69%+4,865 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets0.74%0.23%10.96%10.37%10.87%1+13 bps
Return on Equity4.73%1.49%6.37%2.39%8.08%+335 bps
Net Interest Margin2.81%2.42%2.34%2.24%2.24%-56 bps
Efficiency Ratio74.05%84.26%76.84%90.91%122.69%+4,865 bps
Non-Interest Burden1.93%1.98%1.68%2.00%2.95%+102 bps
Growth
Asset Growth (YoY)6.17%5.74%0.05%5.22%15.68%+951 bps
Loan Growth (YoY)5.21%0.86%0.77%-8.30%-11.42%-1,663 bps
Deposit Growth (YoY)5.29%5.34%-0.66%6.26%28.33%+2,304 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.09%0.69%0.54%0.02%0.05%-4 bps
Allowance / Loans0.77%0.95%0.80%0.80%0.78%+2 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 Capital26.29%27.80%29.63%30.18%15.22%-1,106 bps
Equity / Assets15.59%14.71%15.54%15.16%6.89%-870 bps
Liquidity & Funding
Loans / Deposits47.81%39.12%42.49%40.28%33.00%-1,481 bps
Liquid Assets / Assets0.11%0.10%0.11%0.10%0.09%-1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a