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First Bank & Trust, S.B.

Paris, IL · Cert 29786

FDIC · 7 branches

Q2 2018

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 2018, the quarter ended June 30, 2018, 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 Bank & Trust, S.B.

Paris, IL · Cert 29786

FDIC · 7 branches

Q2 2018

$493.1MAssets
$364.9MLoans
$383.7MDeposits
$75.7MEquity
Loan mix
75%RE $229.0M15%C&I $46.2M10%Consumer $31.7MQ2 2017Q2 2018
Deposit mix
97%Interest-bearing $372.7M3%Noninterest $11.0MQ2 2017Q2 2018

NIM

4.07%Q2 ’163.97%Q2 ’171.60%Q2 ’18-1%-54%

Non-interest income vs. expense

2.76%Q2 ’162.65%Q2 ’170.84%Q2 ’18-5%-68%

Market Position · Champaign-Urbana, IL · 2018 SOD (annual) · 2.4% share · #11 of 36 inst. · $0.2B of $6.4B

2.7% Champaign
22.9% Edgar
30.9% Clark

Executive Summary

  • Earnings: ROA of 0.38%, down 39 bps year over year; NIM at 1.55%.
  • Asset quality: problem loans at 1.23% of loans (+22 bps YoY), with net charge-offs at 0.21%.
  • Capital: tier 1 leverage ratio of 9.80%, down 35 bps from a year ago.
  • Funding: loans stand at 95.10% of deposits as of Q2 2018.

Financial Results

Return on Assets (YTD, annualized)

0.38%-39 bps YoY

Net Interest Margin (YTD, annualized)

1.55%-179 bps YoY

Efficiency Ratio (YTD, annualized)

46.11%-2,064 bps YoY

Tier 1 Leverage Ratio

9.80%-35 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets0.77%0.79%0.65%0.92%0.38%-39 bps
Return on Equity7.54%7.71%6.36%9.16%3.21%-433 bps
Net Interest Margin3.34%3.36%3.36%3.40%1.55%-179 bps
Efficiency Ratio66.74%66.07%64.41%66.18%46.11%-2,064 bps
Non-Interest Burden2.01%2.00%1.93%2.03%0.65%-136 bps
Growth
Asset Growth (YoY)4.46%3.48%5.18%3.92%5.95%+150 bps
Loan Growth (YoY)6.81%3.77%6.34%6.10%-1.44%-825 bps
Deposit Growth (YoY)6.56%5.30%7.10%5.75%0.24%-632 bps
Asset Quality
Nonperforming Loans / Loans1.00%1.05%0.63%0.42%1.23%+22 bps
Net Charge-Offs / Loans0.17%0.29%0.31%0.16%0.21%+4 bps
Allowance / Loans1.26%1.19%1.18%1.20%0.09%-118 bps
Allowance Coverage of NPLs1.3x1.1x1.9x2.8x0.1x-1.2x
Capital
Tier 1 Leverage Ratio10.15%10.18%10.07%10.20%9.80%-35 bps
Total Risk-Based Capital13.76%13.99%13.69%14.06%11.94%-182 bps
Equity / Assets10.28%10.40%10.04%10.09%15.34%+506 bps
Liquidity & Funding
Loans / Deposits96.72%96.50%95.11%93.49%95.10%-161 bps
Liquid Assets / Assets2.13%2.51%3.67%4.97%2.19%+6 bps
CRE / Total Capitaln/an/an/an/an/an/an/a