PackageTrendsPeer
Letter portraitLegal landscape

LNB National Bank

Leland, IL · Cert 16296

FDIC

Q1 2004

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 2004, the quarter ended March 31, 2004, 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

LNB National Bank

Leland, IL · Cert 16296

FDIC

Q1 2004

$78.7MAssets
$51.5MLoans
$63.8MDeposits
$9.0MEquity
Loan mix
79%RE $19.8M21%C&I $5.3M0%Consumer $0.1MQ1 2003Q1 2004
Deposit mix
86%Interest-bearing $55.1M14%Noninterest $8.6MQ1 2003Q1 2004

NIM

6.08%Q1 ’025.58%Q1 ’034.98%Q1 ’04+5%-2%

Non-interest income vs. expense

2.99%Q1 ’022.72%Q1 ’032.67%Q1 ’04-8%-2%

Executive Summary

  • Earnings: ROA of 0.64%, down 2 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 80.77% of deposits as of Q1 2004.

Financial Results

Return on Assets (YTD, annualized)

0.64%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.14%-6 bps YoY

Efficiency Ratio (YTD, annualized)

76.19%+3 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2003Q2 2003Q3 2003Q4 2003Q1 2004YoY ΔTrend
Earnings
Return on Assets0.65%0.57%0.57%0.51%0.64%-2 bps
Return on Equity6.08%5.23%5.27%4.73%5.76%-32 bps
Net Interest Margin3.20%3.11%3.06%2.91%3.14%-6 bps
Efficiency Ratio76.16%77.54%76.02%78.00%76.19%+3 bps
Non-Interest Burden2.35%2.33%2.24%2.20%2.30%-5 bps
Growth
Asset Growth (YoY)4.99%4.02%4.39%2.19%3.04%-195 bps
Loan Growth (YoY)1.15%-0.39%8.27%12.65%9.74%+860 bps
Deposit Growth (YoY)5.21%4.60%3.47%2.87%-0.35%-557 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%-0.02%-0.01%-0.01%0.03%+3 bps
Allowance / Loans0.99%1.01%0.96%0.99%1.00%+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 Capital11.52%11.42%10.76%10.95%11.08%-44 bps
Equity / Assets10.98%11.24%10.60%10.71%11.40%+42 bps
Liquidity & Funding
Loans / Deposits73.34%74.39%76.21%74.09%80.77%+743 bps
Liquid Assets / Assets0.79%0.53%0.26%0.13%0.13%-66 bps
CRE / Total Capitaln/an/an/an/an/an/an/a