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First National Bank of Sumner, The

Sumner, IL · Cert 3839

FDIC

Q2 2004

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 2004, the quarter ended June 30, 2004, 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 of Sumner, The

Sumner, IL · Cert 3839

FDIC

Q2 2004

$6.7MAssets
$1.0MLoans
n/aDeposits
$6.7MEquity

NIM

5.90%Q2 ’025.13%Q2 ’032.12%Q2 ’04+55%-59%

Non-interest income vs. expense

3.15%Q2 ’026.80%Q2 ’035.32%Q2 ’04-44%-20%

Executive Summary

  • Earnings: ROA of -0.03%, down 191 bps year over year; NIM at 2.12%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 26.56%.

Financial Results

Return on Assets (YTD, annualized)

-0.03%-191 bps YoY

Net Interest Margin (YTD, annualized)

2.12%-301 bps YoY

Efficiency Ratio (YTD, annualized)

251%+12,189 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004YoY ΔTrend
Earnings
Return on Assets1.88%1.61%0.92%-0.18%-0.03%-191 bps
Return on Equity1.95%1.66%0.94%-0.18%-0.03%-198 bps
Net Interest Margin5.13%5.33%4.75%2.16%2.12%-301 bps
Efficiency Ratio128.81%130.40%134.26%322%251%+12,189 bps
Non-Interest Burden6.65%6.99%6.40%6.94%5.32%-134 bps
Growth
Asset Growth (YoY)-86.49%-86.17%-8.64%-0.67%-0.04%+8,645 bps
Loan Growth (YoY)-87.03%-88.03%-64.08%-60.25%-55.15%+3,188 bps
Deposit Growth (YoY)-100.00%-100.00%n/an/an/an/a
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-9.81%-9.72%-8.66%-20.80%-26.56%-1,675 bps
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 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 Capital198.72%231%279%300%309%+10,981 bps
Equity / Assets100.00%100.00%100.00%100.00%100.00%0 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/a
Liquid Assets / Assets60.75%69.42%78.43%81.76%82.76%+2,201 bps
CRE / Total Capitaln/an/an/an/an/an/an/a