PackageTrendsPeer
Letter portraitLegal landscape

First Illinois

Danville, IL · Charter 61284

NCUA · 3 branches

Q2 2017

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 2017, the quarter ended June 30, 2017, 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: NCUA 5300 Call Report, 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 Illinois

Danville, IL · Charter 61284

NCUA · 3 branches

Q2 2017

$50.2MAssets
$27.9MLoans
$47.0MShares
$2.1MNet Worth

Executive Summary

  • Earnings: ROA of -5.95%, down 624 bps year over year; NIM at 2.56%.
  • Asset quality: problem loans at 0.31% of loans (-8 bps YoY).
  • Capital: net worth / assets of 4.21%, down 291 bps from a year ago.
  • Funding: loans stand at 59.39% of shares as of Q2 2017.

Return on Assets (YTD, annualized)

-5.95%-624 bps YoY

Net Interest Margin (YTD, annualized)

2.56%-23 bps YoY

Efficiency Ratio (YTD, annualized)

210%+11,864 bps YoY

Net Worth / Assets

4.21%-291 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets-0.10%0.11%0.26%0.29%0.26%0.25%0.45%-5.95%-624 bps
Return on Equity-1.33%1.46%3.59%4.07%3.54%3.24%6.30%-141.26%-14,533 bps
Net Interest Margin2.92%2.80%2.78%2.79%2.88%3.01%2.86%2.56%-23 bps
Efficiency Ratio100.07%96.06%92.01%91.21%91.52%92.41%93.50%210%+11,864 bps
Growth
Asset Growth (YoY)3.47%6.96%3.51%6.93%7.20%-0.32%2.53%0.24%-669 bps
Loan Growth (YoY)-1.21%-0.83%-0.44%0.65%7.56%6.42%5.48%4.74%+410 bps
Share Growth (YoY)3.14%5.56%3.45%6.44%8.05%1.01%2.54%2.19%-425 bps
Asset Quality
Delinquent Loans / Loans0.23%0.21%0.19%0.40%0.39%0.48%0.48%0.31%-8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.40%0.36%0.45%0.48%0.51%0.53%0.46%0.42%-6 bps
Capital
Risk-Based Capital7.47%7.33%7.11%7.13%7.33%7.59%7.21%4.21%-291 bps
Net Worth / Assets7.47%7.33%7.11%7.13%7.33%7.59%7.21%4.21%-291 bps
Liquidity & Funding
Loans / Shares60.55%59.74%57.31%57.94%60.28%62.94%58.96%59.39%+145 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps