Farmers & Traders State Bank

Shabbona, IL · Cert 9257

FDIC

Q1 2012

$43.1MAssets

$21.4MLoans

$42.3MDeposits

$577KEquity

Loan mix

Deposit mix

NIM

Earnings: ROA of -7.20%, up 252 bps year over year; NIM at 2.12%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 24.12%.
Funding: loans stand at 50.53% of deposits as of Q1 2012.

Return on Assets (quarter, annualized)

-7.20%+252 bps YoY

Net Interest Margin (quarter, annualized)

2.12%-122 bps YoY

Efficiency Ratio (quarter, annualized)

218%+13,617 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q1 2011	Q2 2011	Q3 2011	Q4 2011	Q1 2012	YoY Δ	Trend
Earnings
Return on Assets	-9.72%	-1.25%	-4.17%	-14.63%	-7.20%	+252 bps
Return on Equity	-113.27%	-18.54%	-68.14%	-317%	-324%	-21,054 bps
Net Interest Margin	3.34%	2.22%	2.36%	2.80%	2.12%	-122 bps
Efficiency Ratio	81.57%	124.15%	114.13%	166.30%	218%	+13,617 bps
Non-Interest Burden	2.69%	2.79%	2.71%	4.74%	4.82%	+213 bps
Growth
Asset Growth (YoY)	18.35%	28.61%	5.70%	-16.12%	-20.48%	-3,883 bps
Loan Growth (YoY)	1.20%	-9.27%	-13.47%	-27.17%	-39.19%	-4,039 bps
Deposit Growth (YoY)	24.64%	37.75%	19.20%	-3.33%	-10.04%	-3,468 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	1.91%	0.00%	14.68%	4.05%	24.12%	+2,221 bps
Allowance / Loans	4.63%	5.17%	3.77%	9.33%	7.72%	+310 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	12.25%	12.36%	10.78%	6.16%	3.70%	-855 bps
Equity / Assets	7.26%	6.32%	5.88%	3.09%	1.34%	-592 bps
Liquidity & Funding
Loans / Deposits	74.75%	63.14%	63.50%	62.17%	50.53%	-2,422 bps
Liquid Assets / Assets	12.82%	23.49%	10.88%	14.46%	18.91%	+609 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a