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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

5.91%Q3 ’085.52%Q3 ’094.67%Q3 ’10+16%-10%

Non-interest income vs. expense

2.76%Q3 ’082.69%Q3 ’092.35%Q3 ’10-3%-12%

Executive Summary

  • Earnings: ROA of 1.09%, up 37 bps year over year; NIM at 3.21%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
  • Funding: loans stand at 77.30% of deposits as of Q3 2010.

Financial Results

Return on Assets (quarter, annualized)

1.09%+37 bps YoY

Net Interest Margin (quarter, annualized)

3.21%-36 bps YoY

Efficiency Ratio (quarter, annualized)

68.27%-151 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2009Q4 2009Q1 2010Q2 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets0.71%-1.56%-0.88%-6.15%1.09%+37 bps
Return on Equity9.49%-22.38%-13.57%-103.70%20.41%+1,092 bps
Net Interest Margin3.57%3.27%3.21%3.14%3.21%-36 bps
Efficiency Ratio69.77%70.21%113.87%87.01%68.27%-151 bps
Non-Interest Burden2.40%2.24%3.69%2.72%2.12%-28 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 / Loans0.01%2.99%0.04%8.08%0.09%+8 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