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First National Bank of McHenry, The

McHenry, IL · Cert 20081

FDIC · 3 branches

Q2 2019

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: Q2 2019, the quarter ended June 30, 2019, 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 McHenry, The

McHenry, IL · Cert 20081

FDIC · 3 branches

Q2 2019

$176.7MAssets
$39.8MLoans
$151.4MDeposits
$23.4MEquity
Loan mix
94%RE $32.9M4%C&I $1.2M2%Consumer $0.7MQ2 2018Q2 2019
Deposit mix
84%Interest-bearing $126.8M16%Noninterest $24.5MQ2 2018Q2 2019

NIM

2.85%Q2 ’173.13%Q2 ’182.17%Q2 ’19+7%-29%

Non-interest income vs. expense

2.40%Q2 ’172.26%Q2 ’183.06%Q2 ’19+1%+42%

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2019 SOD (annual) · 0.0% share · #111 of 180 inst. · $0.2B of $415.7B

1.7% McHenry
0.1% Lake

Executive Summary

  • Earnings: ROA of -0.48%, down 113 bps year over year; NIM at 1.95%.
  • Asset quality: problem loans at 1.48% of loans (+55 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 9.34%, down 27 bps from a year ago.
  • Funding: loans stand at 26.31% of deposits as of Q2 2019.

Financial Results

Return on Assets (YTD, annualized)

-0.48%-113 bps YoY

Net Interest Margin (YTD, annualized)

1.95%-80 bps YoY

Efficiency Ratio (YTD, annualized)

136.06%+6,127 bps YoY

Tier 1 Leverage Ratio

9.34%-27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2018Q3 2018Q4 2018Q1 2019Q2 2019YoY ΔTrend
Earnings
Return on Assets0.64%0.66%0.60%-1.84%-0.48%-113 bps
Return on Equity7.38%7.68%6.84%-16.74%-4.11%-1,149 bps
Net Interest Margin2.75%2.68%2.66%1.04%1.95%-80 bps
Efficiency Ratio74.79%73.28%75.70%365%136.06%+6,127 bps
Non-Interest Burden1.99%1.87%1.93%4.03%2.82%+83 bps
Growth
Asset Growth (YoY)0.81%-1.03%-0.58%2.04%1.00%+18 bps
Loan Growth (YoY)-3.46%-5.48%-5.44%-7.73%-11.73%-828 bps
Deposit Growth (YoY)1.92%-0.14%-0.47%-3.95%-5.34%-725 bps
Asset Quality
Nonperforming Loans / Loans0.93%0.26%0.21%1.46%1.48%+55 bps
Net Charge-Offs / Loans0.25%0.24%0.24%-0.01%-0.01%-26 bps
Allowance / Loans1.55%1.52%1.51%0.00%0.00%-155 bps
Allowance Coverage of NPLs1.7x5.9x7.2x0.0x0.0x-1.7x
Capital
Tier 1 Leverage Ratio9.61%9.61%9.64%9.25%9.34%-27 bps
Total Risk-Based Capital26.50%27.24%27.85%27.82%29.47%+297 bps
Equity / Assets8.47%8.44%9.00%13.02%13.26%+479 bps
Liquidity & Funding
Loans / Deposits28.22%27.68%27.49%27.67%26.31%-191 bps
Liquid Assets / Assets5.77%6.17%9.92%32.00%39.37%+3,360 bps
CRE / Total Capitaln/an/an/an/an/an/an/a