PackageTrendsPeer
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First National Bank of Gilman, The

Gilman, IL · Cert 3673

FDIC

Q3 2009

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 2009, the quarter ended September 30, 2009, 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 Gilman, The

Gilman, IL · Cert 3673

FDIC

Q3 2009

$38.8MAssets
$22.3MLoans
$36.5MDeposits
$1.2MEquity
Loan mix
62%RE $6.9M38%C&I $4.3M0%Consumer $0.0MQ3 2008Q3 2009
Deposit mix
80%Interest-bearing $29.2M20%Noninterest $7.3MQ3 2008Q3 2009

NIM

5.85%Q3 ’075.68%Q3 ’085.14%Q3 ’09+12%+8%

Non-interest income vs. expense

3.08%Q3 ’073.27%Q3 ’084.88%Q3 ’09-7%+77%

Executive Summary

  • Earnings: ROA of -5.33%, down 599 bps year over year; NIM at 4.29%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.59%.
  • Funding: loans stand at 61.12% of deposits as of Q3 2009.

Financial Results

Return on Assets (YTD, annualized)

-5.33%-599 bps YoY

Net Interest Margin (YTD, annualized)

4.29%+31 bps YoY

Efficiency Ratio (YTD, annualized)

93.34%+2,817 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets0.66%-1.54%-10.28%-8.69%-5.33%-599 bps
Return on Equity10.56%-24.79%-191.89%-195.23%-129.33%-13,989 bps
Net Interest Margin3.98%4.06%3.91%4.02%4.29%+31 bps
Efficiency Ratio65.17%68.33%78.71%96.24%93.34%+2,817 bps
Non-Interest Burden2.23%2.44%2.93%3.84%3.95%+172 bps
Growth
Asset Growth (YoY)-9.17%-12.58%-13.74%-8.36%-15.43%-626 bps
Loan Growth (YoY)-4.46%-15.56%-15.04%-16.34%-14.88%-1,042 bps
Deposit Growth (YoY)1.55%2.91%-7.49%-3.74%-13.70%-1,525 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%3.68%0.33%0.86%0.59%+56 bps
Allowance / Loans1.29%1.08%1.13%1.29%1.34%+6 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 Capital13.50%11.08%6.01%3.90%6.01%-749 bps
Equity / Assets6.87%6.12%4.60%2.60%3.02%-385 bps
Liquidity & Funding
Loans / Deposits61.97%57.98%55.64%54.75%61.12%-85 bps
Liquid Assets / Assets0.02%0.03%13.14%12.98%17.77%+1,775 bps
CRE / Total Capitaln/an/an/an/an/an/an/a