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First National Bank of Dwight

Dwight, IL · Cert 3658

FDIC · 2 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 National Bank of Dwight

Dwight, IL · Cert 3658

FDIC · 2 branches

Q1 2018

$134.3MAssets
$36.4MLoans
$121.6MDeposits
$12.5MEquity
Loan mix
90%RE $25.1M7%C&I $1.9M3%Consumer $0.8MQ1 2017Q1 2018
Deposit mix
83%Interest-bearing $100.4M17%Noninterest $21.2MQ1 2017Q1 2018

NIM

2.35%Q1 ’162.18%Q1 ’172.40%Q1 ’18-7%+10%

Non-interest income vs. expense

1.90%Q1 ’161.88%Q1 ’172.23%Q1 ’18-3%+22%

Executive Summary

  • Earnings: ROA of 0.36%, down 16 bps year over year; NIM at 2.18%.
  • Asset quality: problem loans at 0.00% of loans (-5 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.46%, up 82 bps from a year ago.
  • Funding: loans stand at 29.91% of deposits as of Q1 2018.

Financial Results

Return on Assets (YTD, annualized)

0.36%-16 bps YoY

Net Interest Margin (YTD, annualized)

2.18%+20 bps YoY

Efficiency Ratio (YTD, annualized)

85.15%+679 bps YoY

Tier 1 Leverage Ratio

10.46%+82 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets0.52%0.54%0.56%0.62%0.36%-16 bps
Return on Equity5.59%5.63%5.70%6.28%3.71%-188 bps
Net Interest Margin1.98%2.05%2.09%2.16%2.18%+20 bps
Efficiency Ratio78.36%77.86%77.70%76.91%85.15%+679 bps
Non-Interest Burden1.47%1.51%1.53%1.55%1.80%+33 bps
Growth
Asset Growth (YoY)20.68%15.57%5.97%-3.24%-5.68%-2,637 bps
Loan Growth (YoY)-7.55%2.73%2.76%7.23%11.13%+1,868 bps
Deposit Growth (YoY)25.27%18.76%7.37%-6.21%-5.63%-3,090 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.21%0.00%0.00%0.00%-5 bps
Net Charge-Offs / Loans-0.02%-0.02%-0.02%-0.04%-0.01%+1 bps
Allowance / Loans1.19%1.14%1.11%0.97%1.05%-14 bps
Allowance Coverage of NPLs25.9x5.5xn/an/an/an/a
Capital
Tier 1 Leverage Ratio9.65%9.90%10.13%10.44%10.46%+82 bps
Total Risk-Based Capital32.38%32.42%32.20%30.79%31.68%-70 bps
Equity / Assets9.28%10.09%10.32%10.07%9.29%+1 bps
Liquidity & Funding
Loans / Deposits25.40%27.69%28.96%33.19%29.91%+451 bps
Liquid Assets / Assets29.45%28.33%26.23%24.73%22.82%-662 bps
CRE / Total Capitaln/an/an/an/an/an/an/a