State Bank of Seaton

Seaton, IL · Cert 11705

FDIC

Q4 2013

$65.5MAssets

$37.6MLoans

$52.1MDeposits

$5.1MEquity

Loan mix

Deposit mix

NIM

Earnings: ROA of -1.17%, up 1,042 bps year over year; NIM at -7.53%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 13.83%.
Funding: loans stand at 72.21% of deposits as of Q4 2013.

Return on Assets (quarter, annualized)

-1.17%+1,042 bps YoY

Net Interest Margin (quarter, annualized)

-7.53%-1,020 bps YoY

Efficiency Ratio (quarter, annualized)

67.98%-14,418 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q4 2012	Q1 2013	Q2 2013	Q3 2013	Q4 2013	YoY Δ	Trend
Earnings
Return on Assets	-11.59%	0.68%	-3.26%	4.23%	-1.17%	+1,042 bps
Return on Equity	-149.58%	10.48%	-54.53%	66.76%	-15.66%	+13,392 bps
Net Interest Margin	2.66%	2.87%	2.69%	3.11%	-7.53%	-1,020 bps
Efficiency Ratio	212%	77.80%	86.55%	65.09%	67.98%	-14,418 bps
Non-Interest Burden	4.67%	2.15%	2.31%	1.88%	-5.70%	-1,037 bps
Growth
Asset Growth (YoY)	-12.65%	-4.78%	-6.00%	-9.83%	-7.39%	+526 bps
Loan Growth (YoY)	-5.46%	-5.39%	-8.46%	-6.92%	-19.83%	-1,436 bps
Deposit Growth (YoY)	-13.10%	-8.69%	-5.85%	-8.88%	-10.95%	+215 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	4.22%	0.48%	10.16%	0.57%	-13.83%	-1,805 bps
Allowance / Loans	6.37%	6.14%	5.09%	4.07%	0.04%	-633 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	10.87%	10.79%	10.02%	12.10%	9.69%	-117 bps
Equity / Assets	6.53%	6.36%	5.57%	7.15%	7.74%	+122 bps
Liquidity & Funding
Loans / Deposits	80.21%	78.64%	77.93%	77.59%	72.21%	-800 bps
Liquid Assets / Assets	0.50%	0.46%	1.48%	0.37%	0.38%	-12 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a