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H. F. Gehant Banking Co.

West Brooklyn, IL · Cert 9264

FDIC · 2 branches

Q4 2019

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: Q4 2019, the quarter ended December 31, 2019, 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

H. F. Gehant Banking Co.

West Brooklyn, IL · Cert 9264

FDIC · 2 branches

Q4 2019

$58.7MAssets
$43.8MLoans
$49.2MDeposits
$9.3MEquity
Loan mix
82%RE $20.3M11%C&I $2.8M6%Consumer $1.6MQ4 2018Q4 2019
Deposit mix
87%Interest-bearing $42.8M13%Noninterest $6.4MQ4 2018Q4 2019

NIM

4.02%Q4 ’174.09%Q4 ’184.35%Q4 ’19-2%-1%

Non-interest income vs. expense

2.45%Q4 ’172.40%Q4 ’182.42%Q4 ’190%+0%

Executive Summary

  • Earnings: ROA of 1.19%, down 1 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.09% of loans (-36 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 15.92%, up 49 bps from a year ago.
  • Funding: loans stand at 89.07% of deposits as of Q4 2019.

Financial Results

Return on Assets (YTD, annualized)

1.19%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.46%-5 bps YoY

Efficiency Ratio (YTD, annualized)

66.71%+116 bps YoY

Tier 1 Leverage Ratio

15.92%+49 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets1.20%1.56%1.52%1.34%1.19%-1 bps
Return on Equity7.94%10.13%9.73%8.54%7.55%-39 bps
Net Interest Margin3.51%3.45%3.52%3.46%3.46%-5 bps
Efficiency Ratio65.56%57.47%58.22%62.99%66.71%+116 bps
Non-Interest Burden2.25%1.89%1.98%2.12%2.26%0 bps
Growth
Asset Growth (YoY)2.55%2.17%1.57%4.06%1.64%-91 bps
Loan Growth (YoY)3.65%3.53%6.17%1.61%3.25%-39 bps
Deposit Growth (YoY)2.28%1.37%0.42%3.47%0.68%-160 bps
Asset Quality
Nonperforming Loans / Loans0.45%0.60%0.13%0.11%0.09%-36 bps
Net Charge-Offs / Loans-0.03%-0.05%-0.04%-0.03%0.08%+11 bps
Allowance / Loans1.75%1.83%1.76%1.76%1.62%-14 bps
Allowance Coverage of NPLs3.9x3.0x13.9x15.7x17.7x+13.8x
Capital
Tier 1 Leverage Ratio15.44%15.66%15.96%15.91%15.92%+49 bps
Total Risk-Based Capital21.35%22.53%21.85%21.85%21.43%+7 bps
Equity / Assets15.17%15.65%15.92%15.91%15.89%+72 bps
Liquidity & Funding
Loans / Deposits86.85%84.46%88.59%87.24%89.07%+222 bps
Liquid Assets / Assets10.96%13.95%10.77%12.71%11.93%+98 bps
CRE / Total Capitaln/an/an/an/an/an/an/a