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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

4.67%Q3 ’045.38%Q3 ’056.06%Q3 ’06+10%+1%

Non-interest income vs. expense

2.40%Q3 ’042.49%Q3 ’052.59%Q3 ’06+8%+3%

Executive Summary

  • Earnings: ROA of 1.27%, down 2 bps year over year; NIM at 3.98%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 69.61% of deposits as of Q3 2006.

Financial Results

Return on Assets (quarter, annualized)

1.27%-2 bps YoY

Net Interest Margin (quarter, annualized)

3.98%+2 bps YoY

Efficiency Ratio (quarter, annualized)

57.73%+136 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets1.29%1.22%0.72%1.32%1.27%-2 bps
Return on Equity16.02%15.56%9.18%17.37%18.57%+255 bps
Net Interest Margin3.96%3.79%3.91%4.07%3.98%+2 bps
Efficiency Ratio56.38%52.12%68.00%57.88%57.73%+136 bps
Non-Interest Burden2.03%1.68%2.52%2.08%2.08%+5 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 / Loans0.00%0.05%0.38%0.00%0.00%0 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