PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

State Bank of Jerseyville, The

Jerseyville, IL · Cert 11749

FDIC

Q3 2001

$175.7MAssets
$133.7MLoans
$141.9MDeposits
$13.3MEquity
Loan mix
85%RE $68.0M14%C&I $11.5M1%Consumer $0.6MQ3 2000Q3 2001
Deposit mix
91%Interest-bearing $129.9M9%Noninterest $12.1MQ3 2000Q3 2001

NIM

7.57%Q1 ’017.37%Q2 ’017.31%Q3 ’01+1%+3%

Non-interest income vs. expense

2.23%Q1 ’012.20%Q2 ’012.17%Q3 ’01-5%-4%

Executive Summary

  • Earnings: ROA of 0.89%, down 2 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.55%.
  • Funding: loans stand at 94.21% of deposits as of Q3 2001.

Financial Results

Return on Assets (YTD, annualized)

0.89%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.25%

Efficiency Ratio (YTD, annualized)

55.99%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets0.91%0.89%0.83%0.84%0.89%-2 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a3.12%3.17%3.25%n/a
Efficiency Ration/an/a60.92%58.50%55.99%n/a
Non-Interest Burdenn/an/a1.69%1.61%1.54%n/a
Growth
Asset Growth (YoY)3.97%6.32%8.95%7.50%6.26%+229 bps
Loan Growth (YoY)9.81%8.64%7.35%4.37%2.73%-709 bps
Deposit Growth (YoY)2.70%9.48%7.88%3.99%4.13%+144 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.09%0.09%0.55%n/a
Allowance / Loansn/an/a1.04%1.16%0.94%n/a
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 Capitaln/an/a10.93%11.28%11.12%n/a
Equity / Assetsn/an/a7.24%7.35%7.55%n/a
Liquidity & Funding
Loans / Deposits95.51%96.17%94.49%93.50%94.21%-129 bps
Liquid Assets / Assets0.00%0.00%4.94%3.59%1.46%+146 bps
CRE / Total Capitaln/an/an/an/an/an/an/a