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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 (quarter, annualized)

0.36%+9 bps YoY

Net Interest Margin (quarter, annualized)

3.00%-2 bps YoY

Efficiency Ratio (quarter, annualized)

82.92%-31 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets0.27%0.10%0.26%0.31%0.36%+9 bps
Return on Equity2.48%0.94%2.34%2.72%3.20%+71 bps
Net Interest Margin3.02%3.25%3.01%3.12%3.00%-2 bps
Efficiency Ratio83.24%94.41%76.86%91.41%82.92%-31 bps
Non-Interest Burden2.40%3.10%2.15%2.83%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%1.55%0.55%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