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First National Bank, The

Mulberry Grove, IL · Cert 3817

FDIC · 3 branches

Q2 2021

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: Q2 2021, the quarter ended June 30, 2021, 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, The

Mulberry Grove, IL · Cert 3817

FDIC · 3 branches

Q2 2021

$101.5MAssets
$48.8MLoans
$87.1MDeposits
$9.4MEquity
Loan mix
64%RE $24.0M29%C&I $10.9M7%Consumer $2.7MQ2 2020Q2 2021
Deposit mix
79%Interest-bearing $68.4M21%Noninterest $18.7MQ2 2020Q2 2021

NIM

3.61%Q2 ’193.34%Q2 ’202.88%Q2 ’21-6%-7%

Non-interest income vs. expense

3.12%Q2 ’193.02%Q2 ’202.50%Q2 ’21-3%-27%

Executive Summary

  • Earnings: ROA of 0.90%, up 35 bps year over year; NIM at 2.43%.
  • Asset quality: problem loans at 1.74% of loans (+29 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.25%, down 28 bps from a year ago.
  • Funding: loans stand at 56.04% of deposits as of Q2 2021.

Financial Results

Return on Assets (YTD, annualized)

0.90%+35 bps YoY

Net Interest Margin (YTD, annualized)

2.43%-18 bps YoY

Efficiency Ratio (YTD, annualized)

73.19%-1,148 bps YoY

Tier 1 Leverage Ratio

8.25%-28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2020Q3 2020Q4 2020Q1 2021Q2 2021YoY ΔTrend
Earnings
Return on Assets0.55%0.56%0.61%0.84%0.90%+35 bps
Return on Equity5.94%6.09%6.73%9.75%10.18%+425 bps
Net Interest Margin2.61%2.50%2.50%2.50%2.43%-18 bps
Efficiency Ratio84.67%83.57%81.93%73.89%73.19%-1,148 bps
Non-Interest Burden2.06%1.93%1.89%1.61%1.51%-55 bps
Growth
Asset Growth (YoY)7.56%10.31%15.08%21.94%1.57%-599 bps
Loan Growth (YoY)0.73%2.15%-3.00%-2.38%-12.77%-1,350 bps
Deposit Growth (YoY)2.62%5.57%12.89%17.10%4.82%+220 bps
Asset Quality
Nonperforming Loans / Loans1.45%1.37%1.66%1.72%1.74%+29 bps
Net Charge-Offs / Loans0.23%0.15%0.22%-0.01%0.00%-23 bps
Allowance / Loans1.12%1.14%1.13%1.21%1.26%+14 bps
Allowance Coverage of NPLs0.8x0.8x0.7x0.7x0.7x0.0x
Capital
Tier 1 Leverage Ratio8.52%8.12%8.03%7.99%8.25%-28 bps
Total Risk-Based Capital8.52%13.15%13.59%14.16%14.69%+616 bps
Equity / Assets9.04%9.03%8.89%8.43%9.26%+22 bps
Liquidity & Funding
Loans / Deposits67.33%67.17%60.78%56.06%56.04%-1,130 bps
Liquid Assets / Assets5.40%6.50%20.39%26.68%16.95%+1,155 bps
CRE / Total Capitaln/an/an/an/an/an/an/a