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First National Bank of Illinois

Lansing, IL · Cert 16280

FDIC

Q1 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2013, the quarter ended March 31, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank of Illinois

Lansing, IL · Cert 16280

FDIC

Q1 2013

$374.3MAssets
$148.7MLoans
$329.4MDeposits
$42.2MEquity
Loan mix
68%RE $86.4M28%C&I $36.0M3%Consumer $4.4MQ1 2012Q1 2013
Deposit mix
84%Interest-bearing $276.4M16%Noninterest $53.0MQ1 2012Q1 2013

NIM

3.96%Q1 ’113.63%Q1 ’123.35%Q1 ’130%-1%

Non-interest income vs. expense

2.75%Q1 ’113.08%Q1 ’123.14%Q1 ’13+42%-2%

Executive Summary

  • Earnings: ROA of 0.36%, up 9 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.57%.
  • Funding: loans stand at 45.14% of deposits as of Q1 2013.

Financial Results

Return on Assets (YTD, annualized)

0.36%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.00%-2 bps YoY

Efficiency Ratio (YTD, annualized)

82.92%-31 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets0.27%0.19%0.21%0.23%0.36%+9 bps
Return on Equity2.48%1.71%1.92%2.12%3.20%+71 bps
Net Interest Margin3.02%3.11%3.08%3.14%3.00%-2 bps
Efficiency Ratio83.24%87.91%83.81%85.69%82.92%-31 bps
Non-Interest Burden2.40%2.73%2.54%2.65%2.35%-5 bps
Growth
Asset Growth (YoY)-1.45%-2.40%-1.40%-2.13%-1.78%-33 bps
Loan Growth (YoY)-16.01%-16.56%-11.76%-15.78%-17.22%-121 bps
Deposit Growth (YoY)-3.17%-4.06%-2.63%-2.77%-2.57%+60 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.56%0.61%0.93%0.88%0.57%0 bps
Allowance / Loans2.35%2.46%2.41%2.30%2.34%-1 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 Capital16.10%16.83%16.92%17.76%18.63%+253 bps
Equity / Assets10.78%11.01%11.21%11.39%11.27%+49 bps
Liquidity & Funding
Loans / Deposits53.13%50.16%49.97%47.46%45.14%-799 bps
Liquid Assets / Assets8.61%11.01%5.24%8.32%14.77%+617 bps
CRE / Total Capitaln/an/an/an/an/an/an/a