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Letter portraitLegal landscapeQuarterYTD

State Bank of Augusta

Augusta, IL · Cert 11696

FDIC

Q3 2006

$27.1MAssets
$16.3MLoans
$23.4MDeposits
$1.8MEquity
Deposit mix
81%Interest-bearing $18.8M19%Noninterest $4.5MQ3 2005Q3 2006

NIM

4.48%Q3 ’045.13%Q3 ’055.74%Q3 ’06+13%+2%

Non-interest income vs. expense

2.41%Q3 ’042.74%Q3 ’052.70%Q3 ’06+5%-6%

Executive Summary

  • Earnings: ROA of 1.08%, up 7 bps year over year; NIM at 3.90%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.13%.
  • Funding: loans stand at 69.61% of deposits as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

1.08%+7 bps YoY

Net Interest Margin (YTD, annualized)

3.90%+6 bps YoY

Efficiency Ratio (YTD, annualized)

61.07%-320 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 Assets1.01%1.06%0.72%1.01%1.08%+7 bps
Return on Equity12.90%13.64%9.18%13.32%14.75%+185 bps
Net Interest Margin3.84%3.73%3.91%4.04%3.90%+6 bps
Efficiency Ratio64.27%61.08%68.00%62.79%61.07%-320 bps
Non-Interest Burden2.31%2.10%2.52%2.33%2.18%-13 bps
Growth
Asset Growth (YoY)-0.98%-7.43%-6.17%-7.47%0.91%+189 bps
Loan Growth (YoY)-6.03%-7.54%-6.66%-9.55%-7.22%-119 bps
Deposit Growth (YoY)-3.10%-7.13%-5.44%-6.15%0.85%+395 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%0.01%0.38%0.19%0.13%+14 bps
Allowance / Loans1.00%1.16%1.21%1.21%1.24%+24 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 Capital12.49%11.98%12.80%10.90%11.16%-133 bps
Equity / Assets8.13%7.55%8.19%6.94%6.72%-141 bps
Liquidity & Funding
Loans / Deposits75.66%69.39%73.52%74.24%69.61%-605 bps
Liquid Assets / Assets2.23%2.08%2.12%2.04%1.65%-58 bps
CRE / Total Capitaln/an/an/an/an/an/an/a