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First Bank & Trust

Evanston, IL · Cert 34060

FDIC · 9 branches

Q1 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: Q1 2018, the quarter ended March 31, 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

Evanston, IL · Cert 34060

FDIC · 9 branches

Q1 2018

$1.1BAssets
$908.6MLoans
$1.0BDeposits
$99.0MEquity
Loan mix
56%RE $440.1M43%C&I $333.5M1%Consumer $9.3MQ1 2017Q1 2018
Deposit mix
65%Interest-bearing $678.7M35%Noninterest $366.6MQ1 2017Q1 2018

NIM

3.26%Q1 ’163.45%Q1 ’173.81%Q1 ’18+6%+5%

Non-interest income vs. expense

2.39%Q1 ’162.46%Q1 ’172.41%Q1 ’18+4%-3%

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2017 SOD (annual) · 0.3% share · #42 of 196 inst. · $1.0B of $395.0B

0.3% Cook
0.6% DuPage

Executive Summary

  • Earnings: ROA of 0.97%, up 28 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.25% of loans (-22 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 8.66%, up 46 bps from a year ago.
  • Funding: loans stand at 86.93% of deposits as of Q1 2018.

Financial Results

Return on Assets (YTD, annualized)

0.97%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.35%+17 bps YoY

Efficiency Ratio (YTD, annualized)

62.93%-452 bps YoY

Tier 1 Leverage Ratio

8.66%+46 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets0.69%0.71%0.72%0.71%0.97%+28 bps
Return on Equity8.36%8.52%8.63%8.49%11.30%+295 bps
Net Interest Margin3.18%3.19%3.18%3.23%3.35%+17 bps
Efficiency Ratio67.45%66.69%66.67%73.31%62.93%-452 bps
Non-Interest Burden1.99%1.97%1.96%2.24%1.93%-7 bps
Growth
Asset Growth (YoY)4.44%9.97%-8.86%7.60%3.19%-126 bps
Loan Growth (YoY)10.69%11.56%12.63%10.07%7.20%-349 bps
Deposit Growth (YoY)3.15%9.74%-12.02%7.46%3.68%+53 bps
Asset Quality
Nonperforming Loans / Loans0.46%0.39%0.25%0.15%0.25%-22 bps
Net Charge-Offs / Loans0.18%0.15%0.12%0.09%-0.01%-19 bps
Allowance / Loans1.25%1.21%1.19%1.18%1.22%-3 bps
Allowance Coverage of NPLs2.7x3.1x4.8x8.0x4.9x+2.2x
Capital
Tier 1 Leverage Ratio8.20%8.34%8.35%8.59%8.66%+46 bps
Total Risk-Based Capital11.10%10.96%10.92%10.92%11.30%+21 bps
Equity / Assets8.16%8.33%8.50%8.48%8.64%+48 bps
Liquidity & Funding
Loans / Deposits84.07%87.55%89.18%87.62%86.93%+286 bps
Liquid Assets / Assets8.74%6.59%5.66%5.40%6.87%-187 bps
CRE / Total Capitaln/an/an/an/an/an/an/a