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First National Bank

Chicago Heights, IL · Cert 3634

FDIC

Q4 2006

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: Q4 2006, the quarter ended December 31, 2006, 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

Chicago Heights, IL · Cert 3634

FDIC

Q4 2006

$466.8MAssets
$386.7MLoans
$406.1MDeposits
$36.3MEquity
Loan mix
66%RE $46.8M34%C&I $24.3M0%Consumer $0.3MQ4 2005Q4 2006
Deposit mix
94%Interest-bearing $380.6M6%Noninterest $25.6MQ4 2005Q4 2006

NIM

5.60%Q4 ’045.63%Q4 ’056.84%Q4 ’06-9%+8%

Non-interest income vs. expense

2.52%Q4 ’042.52%Q4 ’052.82%Q4 ’06+6%+11%

Executive Summary

  • Earnings: ROA of 2.00%, up 42 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.21%.
  • Funding: loans stand at 95.21% of deposits as of Q4 2006.

Financial Results

Return on Assets (YTD, annualized)

2.00%+42 bps YoY

Net Interest Margin (YTD, annualized)

4.04%+29 bps YoY

Efficiency Ratio (YTD, annualized)

60.27%+173 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets1.58%1.39%1.41%1.59%2.00%+42 bps
Return on Equity23.51%19.51%19.37%21.81%27.05%+354 bps
Net Interest Margin3.75%3.82%3.83%3.96%4.04%+29 bps
Efficiency Ratio58.54%64.15%64.00%61.59%60.27%+173 bps
Non-Interest Burden1.98%2.28%2.27%2.21%2.19%+22 bps
Growth
Asset Growth (YoY)12.30%14.67%5.09%3.43%-5.78%-1,809 bps
Loan Growth (YoY)9.13%9.36%6.65%-0.65%-4.89%-1,402 bps
Deposit Growth (YoY)11.99%13.68%1.51%1.09%-8.85%-2,085 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.39%0.17%0.14%0.17%-0.21%-60 bps
Allowance / Loans1.00%1.00%1.02%1.03%1.00%0 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital11.25%11.22%11.47%11.55%11.51%+27 bps
Equity / Assets7.16%7.07%7.64%7.30%7.77%+61 bps
Liquidity & Funding
Loans / Deposits91.25%89.06%95.17%86.29%95.21%+396 bps
Liquid Assets / Assets0.26%0.33%0.29%0.35%0.37%+11 bps
CRE / Total Capitaln/an/an/an/an/an/an/a