PackageTrendsPeer
Letter portraitLegal landscape

Citizens First National Bank

Princeton, IL · Cert 3731

FDIC

Q3 2012

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 2012, the quarter ended September 30, 2012, 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

Citizens First National Bank

Princeton, IL · Cert 3731

FDIC

Q3 2012

$924.0MAssets
$510.2MLoans
$869.4MDeposits
$18.4MEquity
Loan mix
89%RE $319.5M9%C&I $33.9M2%Consumer $7.2MQ3 2011Q3 2012
Deposit mix
81%Interest-bearing $700.7M19%Noninterest $168.8MQ3 2011Q3 2012

NIM

4.62%Q3 ’104.05%Q3 ’113.60%Q3 ’12-4%-7%

Non-interest income vs. expense

3.21%Q3 ’103.54%Q3 ’114.59%Q3 ’12+15%+27%

Executive Summary

  • Earnings: ROA of -0.64%, up 161 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 5.62%.
  • Funding: loans stand at 58.68% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

-0.64%+161 bps YoY

Net Interest Margin (YTD, annualized)

3.17%-24 bps YoY

Efficiency Ratio (YTD, annualized)

110.25%+2,504 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets-2.25%-4.91%0.47%-0.94%-0.64%+161 bps
Return on Equity-31.93%-78.29%15.50%-34.16%-24.89%+704 bps
Net Interest Margin3.42%3.41%3.20%3.19%3.17%-24 bps
Efficiency Ratio85.20%90.51%92.14%99.66%110.25%+2,504 bps
Non-Interest Burden2.87%3.08%2.90%3.24%3.65%+78 bps
Growth
Asset Growth (YoY)-3.90%-7.38%-5.40%-10.69%-13.61%-971 bps
Loan Growth (YoY)-12.10%-12.17%-17.25%-20.80%-20.37%-827 bps
Deposit Growth (YoY)-2.11%-4.74%-3.05%-6.63%-7.44%-532 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans6.48%8.20%0.52%6.90%5.62%-85 bps
Allowance / Loans2.58%4.88%5.20%4.30%3.72%+115 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 Capital9.17%4.60%5.12%4.33%4.43%-474 bps
Equity / Assets6.01%2.98%3.05%2.22%2.00%-401 bps
Liquidity & Funding
Loans / Deposits68.21%67.94%62.07%59.62%58.68%-953 bps
Liquid Assets / Assets7.23%5.60%9.68%13.91%17.53%+1,030 bps
CRE / Total Capitaln/an/an/an/an/an/an/a