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Letter portraitLegal landscapeQuarterYTD

Bank of Illinois in Normal, The

Normal, IL · Cert 9268

FDIC

Q4 2009

$211.7MAssets
$164.4MLoans
$198.5MDeposits
$8.1MEquity
Loan mix
77%RE $115.5M23%C&I $34.8M0%Consumer $0.0MQ4 2008Q4 2009
Deposit mix
94%Interest-bearing $186.7M6%Noninterest $11.8MQ4 2008Q4 2009

NIM

6.14%Q4 ’075.86%Q4 ’085.20%Q4 ’09+8%+5%

Non-interest income vs. expense

2.04%Q4 ’072.24%Q4 ’082.86%Q4 ’09+16%+28%

Executive Summary

  • Earnings: ROA of -2.44%, down 11 bps year over year; NIM at 2.63%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 3.14%.
  • Funding: loans stand at 82.83% of deposits as of Q4 2009.

Financial Results

Return on Assets (YTD, annualized)

-2.44%-11 bps YoY

Net Interest Margin (YTD, annualized)

2.63%+12 bps YoY

Efficiency Ratio (YTD, annualized)

91.30%+1,403 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets-2.34%0.30%0.26%1-3.20%-2.44%-11 bps
Return on Equity-31.66%5.11%4.50%-62.06%-49.73%-1,806 bps
Net Interest Margin2.51%2.66%2.49%2.44%2.63%+12 bps
Efficiency Ratio77.27%73.17%83.15%88.80%91.30%+1,403 bps
Non-Interest Burden1.85%1.77%1.97%2.11%2.36%+51 bps
Growth
Asset Growth (YoY)3.13%-4.78%0.79%1.87%-9.05%-1,219 bps
Loan Growth (YoY)0.17%-2.48%-6.02%-10.72%-11.82%-1,199 bps
Deposit Growth (YoY)5.55%-3.67%4.54%12.60%-3.33%-888 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.46%0.27%0.37%4.15%3.14%+68 bps
Allowance / Loans3.22%3.38%3.40%6.33%6.75%+353 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 Capital7.38%7.61%7.86%2.57%3.05%-433 bps
Equity / Assets5.80%6.00%5.55%3.35%3.83%-197 bps
Liquidity & Funding
Loans / Deposits90.81%90.93%80.09%75.10%82.83%-798 bps
Liquid Assets / Assets0.21%0.26%8.87%13.67%5.02%+481 bps
CRE / Total Capitaln/an/an/an/an/an/an/a