First National Bank of Gilman, The

Gilman, IL · Cert 3673

FDIC

Q3 2009

$38.8MAssets

$22.3MLoans

$36.5MDeposits

$1.2MEquity

Loan mix

Deposit mix

NIM

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.

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.

Metric	Q3 2008	Q4 2008	Q1 2009	Q2 2009	Q3 2009	YoY Δ	Trend
Earnings
Return on Assets	0.66%	-1.54%	-10.28%	-8.69%	-5.33%	-599 bps
Return on Equity	10.56%	-24.79%	-191.89%	-195.23%	-129.33%	-13,989 bps
Net Interest Margin	3.98%	4.06%	3.91%	4.02%	4.29%	+31 bps
Efficiency Ratio	65.17%	68.33%	78.71%	96.24%	93.34%	+2,817 bps
Non-Interest Burden	2.23%	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 / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.03%	3.68%	0.33%	0.86%	0.59%	+56 bps
Allowance / Loans	1.29%	1.08%	1.13%	1.29%	1.34%	+6 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	13.50%	11.08%	6.01%	3.90%	6.01%	-749 bps
Equity / Assets	6.87%	6.12%	4.60%	2.60%	3.02%	-385 bps
Liquidity & Funding
Loans / Deposits	61.97%	57.98%	55.64%	54.75%	61.12%	-85 bps
Liquid Assets / Assets	0.02%	0.03%	13.14%	12.98%	17.77%	+1,775 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a