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First National Bank-Employee Owned

Antioch, IL · Cert 3597

FDIC

Q3 2007

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: Q3 2007, the quarter ended September 30, 2007, 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-Employee Owned

Antioch, IL · Cert 3597

FDIC

Q3 2007

$141.3MAssets
$100.6MLoans
$128.0MDeposits
$10.4MEquity
Loan mix
95%RE $84.2M5%C&I $4.4M0%Consumer $0.2MQ4 2005Q3 2007
Deposit mix
88%Interest-bearing $113.2M12%Noninterest $14.8MQ4 2005Q3 2007

Return on Assets (YTD, annualized)

0.38%-18 bps YoY

Net Interest Margin (YTD, annualized)

2.96%-5 bps YoY

Efficiency Ratio (YTD, annualized)

88.78%+537 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.84%Q3 ’055.65%Q3 ’065.79%Q3 ’07-4%-2%

Non-interest income vs. expense

2.75%Q3 ’052.84%Q3 ’062.96%Q3 ’07+5%+6%

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Return on Assets0.79%0.54%0.64%0.56%0.49%0.40%0.47%0.38%-18 bps
Net Interest Margin3.16%2.98%3.08%3.01%3.01%2.91%2.92%2.96%-5 bps
Non-Interest Burden2.36%2.45%2.43%2.45%2.51%2.51%2.46%2.59%+14 bps
Loan Growth (YoY)2.30%3.95%-1.33%-4.68%-1.20%-1.78%-2.10%-0.01%+467 bps
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.88%0.79%0.81%0.82%0.81%0.79%0.82%0.81%-1 bps
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Equity / Assets6.76%6.74%6.64%6.92%7.11%7.06%6.96%7.37%+45 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps