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Letter portraitLegal landscapeQuarterYTD

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 $0.0MQ4 2007Q3 2009
Deposit mix
80%Interest-bearing $29.2M20%Noninterest $7.3MQ4 2007Q3 2009

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.

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
n/a

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%

Year to date, annualized, through each quarter.

MetricQ4 2007Q1 2008Q2 2008Q3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets0.66%1.30%0.89%0.66%-1.54%-10.28%-8.69%-5.33%-599 bps
Return on Equity10.91%22.85%14.72%10.56%-24.79%-191.89%-195.23%-129.33%-13,989 bps
Net Interest Margin3.69%3.67%3.97%3.98%4.06%3.91%4.02%4.29%+31 bps
Efficiency Ratio74.69%68.74%68.09%65.17%68.33%78.71%96.24%93.34%+2,817 bps
Non-Interest Burden2.56%2.30%2.44%2.23%2.44%2.93%3.84%3.95%+172 bps
Growth
Asset Growth (YoY)2.80%0.29%-9.08%-9.17%-12.58%-13.74%-8.36%-15.43%-626 bps
Loan Growth (YoY)0.10%-8.46%-7.55%-4.46%-15.56%-15.04%-16.34%-14.88%-1,042 bps
Deposit Growth (YoY)0.39%10.42%9.06%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.33%0.12%0.06%0.03%3.68%0.33%0.86%0.59%+56 bps
Allowance / Loans0.51%0.50%0.50%1.29%1.08%1.13%1.29%1.34%+6 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/an/an/an/a
Total Risk-Based Capital9.89%10.49%12.26%13.50%11.08%6.01%3.90%6.01%-749 bps
Equity / Assets5.57%5.77%6.77%6.87%6.12%4.60%2.60%3.02%-385 bps
Liquidity & Funding
Loans / Deposits70.67%60.58%63.01%61.97%57.98%55.64%54.75%61.12%-85 bps
Liquid Assets / Assets0.16%0.08%0.02%0.02%0.03%13.14%12.98%17.77%+1,775 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a