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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

4.81%Q3 ’045.31%Q3 ’055.61%Q3 ’06+0%-11%

Non-interest income vs. expense

2.75%Q3 ’043.18%Q3 ’052.83%Q3 ’06+15%-27%

Executive Summary

  • Earnings: ROA of 0.98%, up 2 bps year over year; NIM at 2.92%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
  • Funding: loans stand at 92.66% of deposits as of Q3 2006.

Financial Results

Return on Assets (quarter, annualized)

0.98%+2 bps YoY

Net Interest Margin (quarter, annualized)

2.92%-36 bps YoY

Efficiency Ratio (quarter, annualized)

63.86%-487 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets0.96%0.95%0.74%0.94%0.98%+2 bps
Return on Equity9.70%9.88%7.97%9.94%10.23%+53 bps
Net Interest Margin3.27%3.38%3.25%3.08%2.92%-36 bps
Efficiency Ratio68.73%67.40%72.61%68.45%63.86%-487 bps
Non-Interest Burden1.90%1.99%2.14%1.65%1.39%-51 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 / Loans0.89%0.40%0.12%0.19%0.09%-80 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