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First National Bank of Catlin, The

Catlin, IL · Cert 3615

FDIC · 2 branches

Q1 2023

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 2023, the quarter ended March 31, 2023, 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 Catlin, The

Catlin, IL · Cert 3615

FDIC · 2 branches

Q1 2023

$86.7MAssets
$41.3MLoans
$79.2MDeposits
$6.9MEquity
Loan mix
86%RE $35.2M12%C&I $5.1M2%Consumer $0.9MQ1 2022Q1 2023
Deposit mix
69%Interest-bearing $54.8M31%Noninterest $24.3MQ1 2022Q1 2023

NIM

3.71%Q1 ’212.96%Q1 ’223.94%Q1 ’23-19%+4%

Non-interest income vs. expense

3.31%Q1 ’212.93%Q1 ’224.20%Q1 ’23+48%+84%

Market Position · Danville, IL · 2022 SOD (annual) · 4.8% share · #6 of 15 inst. · $0.1B of $1.6B

Executive Summary

  • Earnings: ROA of -0.19%, down 102 bps year over year; NIM at 2.93%.
  • Asset quality: problem loans at 0.19% of loans (+7 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 8.50%, down 129 bps from a year ago.
  • Funding: loans stand at 52.16% of deposits as of Q1 2023.

Financial Results

Return on Assets (YTD, annualized)

-0.19%-102 bps YoY

Net Interest Margin (YTD, annualized)

2.93%+10 bps YoY

Efficiency Ratio (YTD, annualized)

108.89%+3,532 bps YoY

Tier 1 Leverage Ratio

8.50%-129 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2022Q2 2022Q3 2022Q4 2022Q1 2023YoY ΔTrend
Earnings
Return on Assets0.83%0.93%0.88%0.82%-0.19%-102 bps
Return on Equity8.62%9.60%9.26%8.65%-2.20%-1,081 bps
Net Interest Margin2.83%2.78%2.80%2.97%2.93%+10 bps
Efficiency Ratio73.57%71.54%72.59%74.39%108.89%+3,532 bps
Non-Interest Burden1.77%1.60%1.69%1.90%3.27%+150 bps
Growth
Asset Growth (YoY)20.34%20.95%18.40%1.27%-1.90%-2,224 bps
Loan Growth (YoY)-10.14%-6.73%0.59%7.26%9.82%+1,995 bps
Deposit Growth (YoY)23.03%23.93%21.47%1.78%-0.20%-2,323 bps
Asset Quality
Nonperforming Loans / Loans0.12%0.10%0.09%0.18%0.19%+7 bps
Net Charge-Offs / Loans0.24%0.09%0.05%0.10%0.05%-20 bps
Allowance / Loans1.12%1.14%1.08%1.01%0.93%-19 bps
Allowance Coverage of NPLs9.6x11.6x11.6x5.7x4.9x-4.7x
Capital
Tier 1 Leverage Ratio9.78%9.98%9.91%10.22%8.50%-129 bps
Total Risk-Based Capital23.85%25.59%24.92%24.64%20.43%-342 bps
Equity / Assets9.29%9.72%9.16%9.51%7.90%-139 bps
Liquidity & Funding
Loans / Deposits47.40%50.01%50.88%53.21%52.16%+476 bps
Liquid Assets / Assets17.84%12.71%8.50%6.02%11.75%-608 bps
CRE / Total Capitaln/an/an/an/an/an/an/a