PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First National Bank of Winnebago

Winnebago, IL · Cert 18982

FDIC

Q1 2001

$43.3MAssets
$17.8MLoans
$35.6MDeposits
$6.4MEquity
Loan mix
77%RE $7.9M22%C&I $2.2M1%Consumer $0.1MQ2 1999Q1 2001
Deposit mix
90%Interest-bearing $31.9M10%Noninterest $3.7MQ2 1999Q1 2001

Executive Summary

  • Earnings: ROA of 0.71%, up 33 bps year over year; NIM at 2.35%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.04%.
  • Funding: loans stand at 50.03% of deposits as of Q1 2001.

Return on Assets (YTD, annualized)

0.71%+33 bps YoY

Net Interest Margin (YTD, annualized)

2.35%
n/a

Efficiency Ratio (YTD, annualized)

70.86%
n/a

Tier 1 Leverage Ratio

n/a
n/a

NIM

Non-interest income vs. expense

Year to date, annualized, through each quarter.

MetricQ2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets0.68%0.70%0.67%0.38%0.35%0.39%0.41%0.71%+33 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a2.35%n/an/a
Efficiency Ration/an/an/an/an/an/an/a70.86%n/an/a
Non-Interest Burdenn/an/an/an/an/an/an/a1.55%n/an/a
Growth
Asset Growth (YoY)12.39%13.69%11.82%11.11%3.17%3.57%5.11%5.84%-527 bps
Loan Growth (YoY)32.52%32.17%7.57%2.26%-0.51%1.65%22.81%22.54%+2,028 bps
Deposit Growth (YoY)11.99%13.00%14.18%13.21%5.69%4.08%2.25%2.79%-1,043 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a-0.04%n/an/a
Allowance / Loansn/an/an/an/an/an/an/a1.47%n/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/a14.41%n/an/a
Equity / Assetsn/an/an/an/an/an/an/a14.68%n/an/a
Liquidity & Funding
Loans / Deposits48.50%52.34%42.47%41.96%45.65%51.12%51.01%50.03%+806 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%5.51%+551 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a