First Ottawa Bancshares · OTC:FOTB

First Ottawa Bancshares — Q2 2025 Earnings Presentation

6 slides from First Ottawa Bancshares's earnings presentation, Jun 30, 2025

  1. Slide 1: 2025 Second Quarter Highlights

    First Ottawa Bancshares, Inc. 2025 SECOND QUARTER HIGHLIGHTS QTQ Growth YOY Growth  Total Assets $1.85B 4.78% 13.69% Strong Growth  Total Loans $1.53B 5.15% 14.48% Profile  Total Deposits $1.64B 5.61% 13.93%  NIB Deposits $385MM 2.09% 7.33%  Total Personnel 161 5 1  EPS $23.92 2.04% 42.04% Top

  2. Slide 2: Continued Balance Sheet Growth and Strong Earnings

    First Ottawa Bancshares, Inc. Continued Balance Sheet Growth and Strong Earnings ASSET AND LOAN GROWTH Assets Loans 2,000.0 $1,718.1 $1,764.4 $1,848.8 $1,626.2 $1,672.7 $1,427.6 $1,455.6 $1,530.6 1,500.0 $1,336.9 $1,378.7 $MM 1,000.0 500.0 0.0 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 EARNI

  3. Slide 3: Balance Sheet Quarter End Results

    First Ottawa Bancshares, Inc. Balance Sheet Quarter End Results Quarter End 6/30/2025 3/31/2025 12/31/2024 9/30/2024 6/30/2024 Assets Cash and Due from Banks 6,642 4,896 5,049 4,950 4,442 Interest Bearing Deposits in Financial Institutions 44,273 39,064 24,501 33,807 37,752 Cash and Cash Equivalents

  4. Slide 4: Income Statement Quarter End Results

    First Ottawa Bancshares, Inc. Income Statement Quarter End Results Quarter End 6/30/2025 3/31/2025 12/31/2024 9/30/2024 6/30/2024 Loans, Including fees 25,470 23,991 24,012 23,546 21,900 Securities Available for Sale: Taxable 2,010 2,530 2,618 2,110 2,397 Exempt from Federal Tax 21 21 22 19 25 Other

  5. Slide 5: Selected Financial Metrics

    First Ottawa Bancshares, Inc. Selected Financial Metrics Quarter End 6/30/2025 3/31/2025 12/31/2024 9/30/2024 6/30/2024 Earnings Per Share (Annualized) $23.92 $23.44 $20.79 $18.92 $16.84 Selected Financial Metrics Loan to Deposit 93.43% 93.84% 94.36% 93.02% 92.98% Return on Average Equity (Annualize

  6. Slide 6: Special Note Concerning Forward-Looking Statements

    First Ottawa Bancshares, Inc. Special Note Concerning Forward-Looking Statements. This document contains, and future oral and written statements of the Company and its management may contain, forward-looking statements with respect to the financial condition, results of operations, plans, objectives

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