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Franklin Grove Bank

Franklin Grove, IL · Cert 9636

FDIC · 1 branch

Q1 2016

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: Q1 2016, the quarter ended March 31, 2016, 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

Franklin Grove Bank

Franklin Grove, IL · Cert 9636

FDIC · 1 branch

Q1 2016

$28.5MAssets
$11.2MLoans
$23.4MDeposits
$5.0MEquity
Loan mix
81%RE $7.0M15%C&I $1.3M4%Consumer $0.3MQ1 2015Q1 2016
Deposit mix
82%Interest-bearing $19.3M18%Noninterest $4.2MQ1 2015Q1 2016

NIM

3.61%Q1 ’143.52%Q1 ’152.73%Q1 ’16-1%-26%

Non-interest income vs. expense

1.93%Q1 ’142.08%Q1 ’154.34%Q1 ’16+11%+115%

Executive Summary

  • Earnings: ROA of -1.97%, down 271 bps year over year; NIM at 2.26%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 1.25%.
  • Capital: tier 1 leverage ratio of 17.33%, up 39 bps from a year ago.
  • Funding: loans stand at 47.79% of deposits as of Q1 2016.

Financial Results

Return on Assets (YTD, annualized)

-1.97%-271 bps YoY

Net Interest Margin (YTD, annualized)

2.26%-78 bps YoY

Efficiency Ratio (YTD, annualized)

183.14%+11,716 bps YoY

Tier 1 Leverage Ratio

17.33%+39 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets0.74%0.75%0.77%0.61%-1.97%-271 bps
Return on Equity4.30%4.37%4.43%3.50%-11.20%-1,550 bps
Net Interest Margin3.04%3.05%3.08%2.96%2.26%-78 bps
Efficiency Ratio65.98%61.95%62.67%65.26%183.14%+11,716 bps
Non-Interest Burden1.96%1.85%1.88%1.89%4.23%+226 bps
Growth
Asset Growth (YoY)-3.63%-2.68%-4.10%-2.10%-6.33%-269 bps
Loan Growth (YoY)14.91%-0.23%2.38%-14.47%-31.56%-4,647 bps
Deposit Growth (YoY)-3.96%-3.31%-5.05%-2.41%-7.06%-310 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.37%-0.21%-0.14%-0.40%-1.25%-88 bps
Allowance / Loans0.90%1.08%1.11%1.41%2.08%+118 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio16.94%17.20%17.35%17.39%17.33%+39 bps
Total Risk-Based Capital28.35%31.20%31.65%32.10%36.42%+807 bps
Equity / Assets16.99%17.19%17.59%17.56%17.65%+66 bps
Liquidity & Funding
Loans / Deposits64.89%57.67%58.79%58.04%47.79%-1,711 bps
Liquid Assets / Assets41.26%41.31%45.49%47.24%53.57%+1,231 bps
CRE / Total Capitaln/an/an/an/an/an/an/a