State Bank of Jerseyville, The

Jerseyville, IL · Cert 11749

FDIC

Q3 2001

$175.7MAssets

$133.7MLoans

$141.9MDeposits

$13.3MEquity

Loan mix

Deposit mix

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.

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.

Metric	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	YoY Δ	Trend
Earnings
Return on Assets	0.97%	1.13%	1.05%	0.91%	0.89%	0.83%	0.84%	0.89%	-2 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	3.12%	3.17%	3.25%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	60.92%	58.50%	55.99%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	1.69%	1.61%	1.54%	n/a
Growth
Asset Growth (YoY)	16.88%	13.63%	12.20%	3.97%	6.32%	8.95%	7.50%	6.26%	+229 bps
Loan Growth (YoY)	33.43%	21.45%	13.25%	9.81%	8.64%	7.35%	4.37%	2.73%	-709 bps
Deposit Growth (YoY)	9.33%	8.54%	13.22%	2.70%	9.48%	7.88%	3.99%	4.13%	+144 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	0.09%	0.09%	0.55%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	1.04%	1.16%	0.94%	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	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	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	10.93%	11.28%	11.12%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	7.24%	7.35%	7.55%	n/a
Liquidity & Funding
Loans / Deposits	96.91%	94.96%	93.16%	95.51%	96.17%	94.49%	93.50%	94.21%	-129 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	4.94%	3.59%	1.46%	+146 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a