PackageTrendsPeer
Letter portraitLegal landscape

Citizens State Bank of Cropsey

Cropsey, IL · Cert 10430

FDIC

Q3 2010

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: Q3 2010, the quarter ended September 30, 2010, 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

Citizens State Bank of Cropsey

Cropsey, IL · Cert 10430

FDIC

Q3 2010

$44.3MAssets
$30.1MLoans
$38.9MDeposits
$2.4MEquity
Loan mix
73%RE $13.5M27%C&I $5.1M0%Consumer $0.0MQ3 2009Q3 2010
Deposit mix
87%Interest-bearing $33.9M13%Noninterest $5.0MQ3 2009Q3 2010

NIM

5.76%Q3 ’085.28%Q3 ’094.78%Q3 ’10+12%-2%

Non-interest income vs. expense

2.66%Q3 ’082.66%Q3 ’093.05%Q3 ’10-2%+23%

Executive Summary

  • Earnings: ROA of -1.94%, down 254 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.76%.
  • Funding: loans stand at 77.30% of deposits as of Q3 2010.

Financial Results

Return on Assets (YTD, annualized)

-1.94%-254 bps YoY

Net Interest Margin (YTD, annualized)

3.20%-6 bps YoY

Efficiency Ratio (YTD, annualized)

89.92%+1,584 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2009Q4 2009Q1 2010Q2 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets0.60%0.00%-0.88%-3.44%-1.94%-254 bps
Return on Equity7.87%0.03%-13.57%-56.48%-32.81%-4,068 bps
Net Interest Margin3.26%3.06%3.21%3.25%3.20%-6 bps
Efficiency Ratio74.07%73.07%113.87%100.95%89.92%+1,584 bps
Non-Interest Burden2.33%2.16%3.69%3.28%2.86%+53 bps
Growth
Asset Growth (YoY)23.19%26.58%15.82%7.37%3.14%-2,005 bps
Loan Growth (YoY)20.36%11.81%10.56%-3.51%-6.77%-2,714 bps
Deposit Growth (YoY)22.76%29.66%17.06%10.38%6.56%-1,619 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.76%0.04%4.06%2.76%+275 bps
Allowance / Loans0.80%0.84%0.87%1.32%1.34%+54 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 Capital10.12%9.22%9.13%8.35%8.62%-150 bps
Equity / Assets7.58%6.41%6.55%5.28%5.35%-223 bps
Liquidity & Funding
Loans / Deposits88.36%80.75%88.66%83.14%77.30%-1,106 bps
Liquid Assets / Assets1.40%0.86%0.68%5.20%5.49%+410 bps
CRE / Total Capitaln/an/an/an/an/an/an/a