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First State Bank of Winchester, Illinois, The

Winchester, IL · Cert 11710

FDIC

Q2 2009

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 2009, the quarter ended June 30, 2009, 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

First State Bank of Winchester, Illinois, The

Winchester, IL · Cert 11710

FDIC

Q2 2009

$30.1MAssets
$18.1MLoans
$30.8MDeposits
$-848KEquity
Loan mix
83%RE $7.7M17%C&I $1.5M0%Consumer $0.0MQ2 2008Q2 2009
Deposit mix
84%Interest-bearing $26.0M16%Noninterest $4.8MQ2 2008Q2 2009

NIM

6.95%Q2 ’075.68%Q2 ’084.58%Q2 ’09-10%-8%

Non-interest income vs. expense

3.46%Q2 ’073.38%Q2 ’084.58%Q2 ’09-5%+35%

Executive Summary

  • Earnings: ROA of -16.18%, down 1,583 bps year over year; NIM at 3.19%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.11%.
  • Funding: loans stand at 58.75% of deposits as of Q2 2009.

Financial Results

Return on Assets (YTD, annualized)

-16.18%-1,583 bps YoY

Net Interest Margin (YTD, annualized)

3.19%-27 bps YoY

Efficiency Ratio (YTD, annualized)

113.02%+3,040 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets-0.35%0.61%-0.88%-29.30%-16.18%-1,583 bps
Return on Equity-6.88%11.95%-18.10%-2029%-11096%-1,108,895 bps
Net Interest Margin3.45%3.74%3.60%2.98%3.19%-27 bps
Efficiency Ratio82.63%74.04%78.03%94.35%113.02%+3,040 bps
Non-Interest Burden2.74%2.53%2.62%2.77%3.72%+97 bps
Growth
Asset Growth (YoY)-1.94%-9.40%-1.85%-14.20%-17.54%-1,559 bps
Loan Growth (YoY)-6.92%-2.96%-0.80%-2.56%-10.60%-368 bps
Deposit Growth (YoY)6.00%-4.90%0.65%-8.46%-11.03%-1,703 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.43%0.28%1.00%0.38%0.11%-32 bps
Allowance / Loans1.13%1.10%1.27%6.59%7.36%+623 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 Capital10.24%11.07%9.29%-1.54%-2.14%-1,238 bps
Equity / Assets4.82%5.00%4.14%-1.47%-2.82%-764 bps
Liquidity & Funding
Loans / Deposits58.47%64.73%62.19%60.14%58.75%+28 bps
Liquid Assets / Assets0.03%0.03%0.03%0.03%0.04%+1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a