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Elkville State Bank

Elkville, IL · Cert 10810

FDIC

Q1 2013

$24.1MAssets
$2.5MLoans
$19.8MDeposits
$4.2MEquity
Loan mix
58%RE $1.2M12%C&I $0.3M30%Consumer $0.6MQ1 2012Q1 2013
Deposit mix
76%Interest-bearing $15.0M24%Noninterest $4.8MQ1 2012Q1 2013

NIM

2.33%Q1 ’112.40%Q1 ’122.23%Q1 ’13+17%-5%

Non-interest income vs. expense

1.35%Q1 ’111.48%Q1 ’121.74%Q1 ’13+15%+23%

Executive Summary

  • Earnings: ROA of 0.35%, down 44 bps year over year; NIM at 1.96%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 12.56% of deposits as of Q1 2013.

Financial Results

Return on Assets (quarter, annualized)

0.35%-44 bps YoY

Net Interest Margin (quarter, annualized)

1.96%-9 bps YoY

Efficiency Ratio (quarter, annualized)

81.51%+1,613 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets0.79%1.12%1.05%-0.89%0.35%-44 bps
Return on Equity4.70%6.39%5.63%-4.97%2.03%-268 bps
Net Interest Margin2.05%2.05%2.05%2.08%1.96%-9 bps
Efficiency Ratio65.38%55.64%53.13%139.37%81.51%+1,613 bps
Non-Interest Burden1.27%1.03%0.97%2.98%1.56%+29 bps
Growth
Asset Growth (YoY)0.99%-4.41%-11.29%1.54%2.88%+188 bps
Loan Growth (YoY)-0.66%-5.00%-0.84%-7.17%-8.29%-763 bps
Deposit Growth (YoY)-1.01%-7.96%-15.29%1.10%2.44%+345 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%-0.15%0.00%2.22%0.00%0 bps
Allowance / Loans2.40%2.41%2.44%2.06%2.09%-31 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 Capital41.56%43.70%41.64%38.86%39.44%-212 bps
Equity / Assets17.07%17.97%19.19%16.85%17.26%+18 bps
Liquidity & Funding
Loans / Deposits14.03%14.81%15.29%12.46%12.56%-147 bps
Liquid Assets / Assets11.52%14.77%14.93%13.45%13.69%+217 bps
CRE / Total Capitaln/an/an/an/an/an/an/a