PackageTrendsPeer
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First National Bank of Chrisman

Chrisman, IL · Cert 3636

FDIC · 1 branch

Q1 2015

$37.0MAssets
$18.2MLoans
$33.1MDeposits
$3.9MEquity
Loan mix
69%RE $6.0M11%C&I $0.9M20%Consumer $1.8MQ2 2013Q1 2015
Deposit mix
85%Interest-bearing $28.1M15%Noninterest $5.1MQ2 2013Q1 2015

Executive Summary

  • Earnings: ROA of 0.28%, up 11 bps year over year; NIM at 2.49%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.31%.
  • Capital: tier 1 leverage ratio of 10.03%.
  • Funding: loans stand at 54.95% of deposits as of Q1 2015.

Return on Assets (quarter, annualized)

0.28%+11 bps YoY

Net Interest Margin (quarter, annualized)

2.49%+18 bps YoY

Efficiency Ratio (quarter, annualized)

89.76%-312 bps YoY

Tier 1 Leverage Ratio

10.03%
n/a

NIM

2.74%Q1 ’132.52%Q1 ’142.72%Q1 ’15-6%+8%

Non-interest income vs. expense

2.35%Q1 ’132.24%Q1 ’142.37%Q1 ’15-3%+4%

Discrete quarter, annualized.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets0.31%0.50%0.42%0.17%0.34%0.40%0.67%0.28%+11 bps
Return on Equity3.44%5.68%4.70%1.92%3.61%4.10%6.53%2.69%+76 bps
Net Interest Margin2.45%2.52%2.59%2.31%2.40%2.60%2.79%2.49%+18 bps
Efficiency Ratio83.09%81.66%85.23%92.89%87.07%85.50%77.66%89.76%-312 bps
Non-Interest Burden2.00%2.02%2.17%2.13%2.07%2.20%2.13%2.22%+8 bps
Growth
Asset Growth (YoY)2.44%7.24%-1.42%0.22%-7.12%-10.86%-11.10%-9.52%-974 bps
Loan Growth (YoY)-2.20%14.10%2.16%3.34%1.60%-4.22%-2.15%-0.01%-335 bps
Deposit Growth (YoY)-0.37%4.74%3.31%0.17%-4.01%-8.36%-10.71%-9.26%-943 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.02%-0.04%0.04%-0.02%-0.02%-0.02%0.00%0.31%+33 bps
Allowance / Loans1.19%1.07%1.05%1.26%1.18%1.12%1.09%1.19%-7 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a10.03%n/an/a
Total Risk-Based Capital15.88%15.45%16.39%16.39%16.12%16.40%16.60%21.35%+496 bps
Equity / Assets8.76%8.71%9.01%9.17%9.63%9.94%10.55%10.41%+124 bps
Liquidity & Funding
Loans / Deposits52.96%59.10%59.91%49.86%56.06%61.77%65.66%54.95%+508 bps
Liquid Assets / Assets51.57%47.26%45.15%43.48%47.77%40.18%32.80%41.75%-173 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a