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Letter portraitLegal landscapeQuarterYTD

First National Bank of Grant Park, The

Grant Park, IL · Cert 3675

FDIC

Q1 2013

$110.0MAssets
$47.2MLoans
$97.7MDeposits
$10.1MEquity
Loan mix
73%RE $32.9M26%C&I $11.5M1%Consumer $0.4MQ1 2012Q1 2013
Deposit mix
79%Interest-bearing $77.3M21%Noninterest $20.4MQ1 2012Q1 2013

NIM

3.88%Q1 ’113.90%Q1 ’123.25%Q1 ’13+11%-14%

Non-interest income vs. expense

3.67%Q1 ’113.75%Q1 ’123.54%Q1 ’13-7%-5%

Executive Summary

  • Earnings: ROA of 1.95%, up 164 bps year over year; NIM at 3.04%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Funding: loans stand at 48.28% of deposits as of Q1 2013.

Financial Results

Return on Assets (quarter, annualized)

1.95%+164 bps YoY

Net Interest Margin (quarter, annualized)

3.04%-50 bps YoY

Efficiency Ratio (quarter, annualized)

91.60%+680 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets0.31%-0.08%-0.52%-2.00%1.95%+164 bps
Return on Equity3.74%-0.90%-5.31%-20.81%21.14%+1,740 bps
Net Interest Margin3.54%3.54%3.57%3.28%3.04%-50 bps
Efficiency Ratio84.80%86.46%103.39%149.14%91.60%+680 bps
Non-Interest Burden2.86%2.92%3.70%5.37%2.71%-15 bps
Growth
Asset Growth (YoY)-6.95%-7.88%-10.12%-11.29%-3.14%+381 bps
Loan Growth (YoY)-15.72%-12.98%-9.67%-8.78%-5.51%+1,022 bps
Deposit Growth (YoY)-3.29%-6.15%-7.92%-9.38%-4.90%-161 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.60%1.49%0.97%1.98%0.04%-56 bps
Allowance / Loans2.32%2.67%2.68%2.67%1.76%-56 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 Capital13.28%14.43%14.48%14.17%14.88%+160 bps
Equity / Assets8.47%9.73%9.86%9.32%9.15%+68 bps
Liquidity & Funding
Loans / Deposits48.59%51.42%51.12%51.50%48.28%-31 bps
Liquid Assets / Assets2.95%0.48%2.64%1.86%6.69%+374 bps
CRE / Total Capitaln/an/an/an/an/an/an/a