PackageTrendsPeer
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Rushville State Bank

Rushville, MO · Cert 11006

FDIC

Q2 2012

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: Q2 2012, the quarter ended June 30, 2012, 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

Rushville State Bank

Rushville, MO · Cert 11006

FDIC

Q2 2012

$29.5MAssets
$14.6MLoans
$27.1MDeposits
$2.3MEquity
Loan mix
80%RE $9.7M14%C&I $1.7M7%Consumer $0.8MQ2 2011Q2 2012
Deposit mix
90%Interest-bearing $24.4M10%Noninterest $2.7MQ2 2011Q2 2012

NIM

4.40%Q2 ’103.84%Q2 ’113.25%Q2 ’12-14%-15%

Non-interest income vs. expense

2.92%Q2 ’101.98%Q2 ’112.03%Q2 ’12-34%-1%

Executive Summary

  • Earnings: ROA of 0.31%, up 78 bps year over year; NIM at 1.94%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.21%.
  • Funding: loans stand at 53.97% of deposits as of Q2 2012.

Financial Results

Return on Assets (YTD, annualized)

0.31%+78 bps YoY

Net Interest Margin (YTD, annualized)

1.94%-34 bps YoY

Efficiency Ratio (YTD, annualized)

86.00%+1,106 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets-0.47%-0.14%0.10%0.05%0.31%+78 bps
Return on Equity-6.10%-1.79%1.24%0.69%3.96%+1,006 bps
Net Interest Margin2.28%2.42%2.22%1.90%1.94%-34 bps
Efficiency Ratio74.94%73.59%76.67%85.96%86.00%+1,106 bps
Non-Interest Burden1.62%1.67%1.61%1.57%1.61%-1 bps
Growth
Asset Growth (YoY)2.34%0.36%1.08%-0.20%4.44%+210 bps
Loan Growth (YoY)-12.02%-16.03%-16.58%-7.35%-8.10%+391 bps
Deposit Growth (YoY)3.43%0.38%1.19%-0.64%4.37%+94 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans4.79%3.45%2.70%-0.39%-0.21%-500 bps
Allowance / Loans1.57%1.53%1.43%1.54%1.42%-16 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 Capital16.76%17.11%19.72%20.04%19.92%+316 bps
Equity / Assets7.86%8.06%7.91%7.76%7.96%+10 bps
Liquidity & Funding
Loans / Deposits61.30%60.18%53.72%52.02%53.97%-733 bps
Liquid Assets / Assets27.82%26.66%41.40%42.07%40.47%+1,265 bps
CRE / Total Capitaln/an/an/an/an/an/an/a