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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

4.49%Q2 ’103.70%Q2 ’113.23%Q2 ’12-21%-10%

Non-interest income vs. expense

2.83%Q2 ’101.87%Q2 ’112.00%Q2 ’12-37%+8%

Executive Summary

  • Earnings: ROA of 0.57%, up 4 bps year over year; NIM at 1.95%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.03%.
  • Funding: loans stand at 53.97% of deposits as of Q2 2012.

Financial Results

Return on Assets (quarter, annualized)

0.57%+4 bps YoY

Net Interest Margin (quarter, annualized)

1.95%-22 bps YoY

Efficiency Ratio (quarter, annualized)

86.05%+1,239 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets0.52%0.54%0.81%0.05%0.57%+4 bps
Return on Equity6.91%6.79%10.16%0.69%7.21%+30 bps
Net Interest Margin2.17%2.42%2.08%1.90%1.95%-22 bps
Efficiency Ratio73.66%71.00%86.01%85.96%86.05%+1,239 bps
Non-Interest Burden1.50%1.59%1.71%1.57%1.62%+12 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 / Loans-0.20%0.49%-0.33%-0.39%-0.03%+17 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