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First National Bank and Trust Company of Rochelle, The

Rochelle, IL · Cert 14583

FDIC · 3 branches

Q2 2017

$286.6MAssets
$77.7MLoans
$246.2MDeposits
$26.9MEquity
Loan mix
81%RE $50.9M10%C&I $6.2M9%Consumer $5.5MQ3 2015Q2 2017
Deposit mix
89%Interest-bearing $218.3M11%Noninterest $27.9MQ3 2015Q2 2017

Executive Summary

  • Earnings: ROA of 0.06%, down 68 bps year over year; NIM at 1.73%.
  • Asset quality: problem loans at 0.88% of loans (+88 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 8.64%, up 9 bps from a year ago.
  • Funding: loans stand at 31.55% of deposits as of Q2 2017.

Return on Assets (quarter, annualized)

0.06%1-68 bps YoY

Net Interest Margin (quarter, annualized)

1.73%-65 bps YoY

Efficiency Ratio (quarter, annualized)

109.43%+2,900 bps YoY

Tier 1 Leverage Ratio

8.64%+9 bps YoY

NIM

2.71%Q2 ’152.69%Q2 ’162.06%Q2 ’170%-27%

Non-interest income vs. expense

2.81%Q2 ’152.81%Q2 ’162.90%Q2 ’17-4%+14%

Discrete quarter, annualized.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets0.73%0.96%2.00%0.74%2.35%10.47%10.37%0.06%1-68 bps
Return on Equity8.20%10.43%20.40%7.28%23.02%4.79%3.80%0.62%-666 bps
Net Interest Margin2.38%2.46%2.43%2.38%2.17%1.92%1.85%1.73%-65 bps
Efficiency Ratio84.17%70.97%58.59%80.44%80.93%91.77%84.62%109.43%+2,900 bps
Non-Interest Burden1.91%1.44%0.50%1.77%1.62%1.75%1.47%2.02%+25 bps
Growth
Asset Growth (YoY)5.13%0.20%-0.34%3.49%2.88%6.71%5.78%2.87%-62 bps
Loan Growth (YoY)7.16%3.76%9.49%5.30%4.76%5.92%1.09%2.45%-285 bps
Deposit Growth (YoY)5.31%-1.44%-1.91%1.68%2.35%7.56%6.07%4.48%+280 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.90%0.88%+88 bps
Net Charge-Offs / Loans-0.02%-0.03%0.01%-0.06%0.07%0.00%-0.01%-0.02%+4 bps
Allowance / Loans1.06%1.08%1.11%1.13%1.08%1.05%1.11%0.82%-32 bps
Allowance Coverage of NPLsn/an/an/an/an/an/a1.2x0.9xn/a
Capital
Tier 1 Leverage Ratio7.83%8.21%8.76%8.55%8.82%8.63%8.71%8.64%+9 bps
Total Risk-Based Capital17.89%17.91%18.82%19.41%19.94%21.55%23.85%23.26%+385 bps
Equity / Assets8.91%9.51%10.09%10.28%10.14%9.62%9.82%9.38%-90 bps
Liquidity & Funding
Loans / Deposits31.86%34.36%34.48%32.17%32.61%33.84%32.86%31.55%-62 bps
Liquid Assets / Assets4.69%1.47%2.28%9.09%20.22%24.66%29.15%30.37%+2,128 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a