PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

State Bank of Aviston

Aviston, IL · Cert 10881

FDIC

Q3 2006

$621.8MAssets
$438.2MLoans
$472.9MDeposits
$60.7MEquity
Loan mix
81%RE $219.2M19%C&I $49.8M0%Consumer $0.0MQ3 2005Q3 2006
Deposit mix
87%Interest-bearing $410.9M13%Noninterest $62.0MQ3 2005Q3 2006

NIM

4.87%Q3 ’044.86%Q3 ’055.49%Q3 ’06-3%-2%

Non-interest income vs. expense

2.70%Q3 ’042.86%Q3 ’053.07%Q3 ’06+2%-4%

Executive Summary

  • Earnings: ROA of 0.88%, down 5 bps year over year; NIM at 3.09%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.13%.
  • Funding: loans stand at 92.66% of deposits as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

0.88%-5 bps YoY

Net Interest Margin (YTD, annualized)

3.09%-6 bps YoY

Efficiency Ratio (YTD, annualized)

68.27%+117 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets0.93%0.94%0.74%0.84%0.88%-5 bps
Return on Equity9.41%9.62%7.97%8.96%9.37%-4 bps
Net Interest Margin3.14%3.24%3.25%3.18%3.09%-6 bps
Efficiency Ratio67.11%67.18%72.61%70.43%68.27%+117 bps
Non-Interest Burden1.80%1.87%2.14%1.91%1.73%-7 bps
Growth
Asset Growth (YoY)8.07%5.05%3.27%4.16%-3.54%-1,161 bps
Loan Growth (YoY)0.44%3.88%2.42%5.66%0.34%-10 bps
Deposit Growth (YoY)5.25%0.72%5.90%-5.00%-9.44%-1,468 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.45%0.43%0.12%0.15%0.13%-31 bps
Allowance / Loans1.11%1.02%1.02%0.97%0.98%-13 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 Capital12.82%11.56%11.86%11.87%12.08%-74 bps
Equity / Assets9.96%9.19%9.47%9.37%9.76%-20 bps
Liquidity & Funding
Loans / Deposits83.63%86.64%88.01%95.64%92.66%+903 bps
Liquid Assets / Assets0.37%0.74%0.31%0.53%0.30%-8 bps
CRE / Total Capitaln/an/an/an/an/an/an/a