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Marshall County State Bank

Varna, IL · Cert 12089

FDIC · 2 branches

Q2 2014

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 2014, the quarter ended June 30, 2014, 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

Marshall County State Bank

Varna, IL · Cert 12089

FDIC · 2 branches

Q2 2014

$28.2MAssets
$19.2MLoans
$25.4MDeposits
$2.6MEquity
Loan mix
74%RE $12.2M19%C&I $3.2M7%Consumer $1.1MQ2 2013Q2 2014
Deposit mix
88%Interest-bearing $22.4M12%Noninterest $3.0MQ2 2013Q2 2014

NIM

3.31%Q2 ’123.30%Q2 ’133.71%Q2 ’14+3%+14%

Non-interest income vs. expense

4.24%Q2 ’128.51%Q2 ’135.67%Q2 ’14+234%-13%

Market Position · Peoria, IL · 2014 SOD (annual) · 0.4% share · #33 of 42 inst. · $0.0B of $6.9B

8.0% Marshall
0.1% Peoria

Executive Summary

  • Earnings: ROA of -2.15%, up 107 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.18%.
  • Funding: loans stand at 75.43% of deposits as of Q2 2014.

Financial Results

Return on Assets (YTD, annualized)

-2.15%+107 bps YoY

Net Interest Margin (YTD, annualized)

3.28%+41 bps YoY

Efficiency Ratio (YTD, annualized)

164.23%+5,487 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets-3.23%-3.10%-4.24%-1.82%-2.15%+107 bps
Return on Equity-31.11%-30.19%-41.28%-17.99%-21.91%+920 bps
Net Interest Margin2.87%3.01%3.19%3.27%3.28%+41 bps
Efficiency Ratio109.36%122.41%141.26%154.01%164.23%+5,487 bps
Non-Interest Burden6.34%6.14%7.27%5.06%5.49%-84 bps
Growth
Asset Growth (YoY)6.33%15.98%0.23%-29.45%-10.43%-1,677 bps
Loan Growth (YoY)21.48%11.06%5.16%-8.04%-11.68%-3,316 bps
Deposit Growth (YoY)11.49%22.95%4.06%-29.41%-9.53%-2,102 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.76%0.57%0.54%0.00%0.18%-59 bps
Allowance / Loans1.16%1.45%1.68%1.87%1.82%+66 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 Capital17.14%18.28%17.43%17.88%16.66%-48 bps
Equity / Assets10.12%9.94%10.24%10.00%9.25%-87 bps
Liquidity & Funding
Loans / Deposits77.26%69.96%86.33%78.83%75.43%-184 bps
Liquid Assets / Assets10.31%8.69%9.11%7.52%5.30%-501 bps
CRE / Total Capitaln/an/an/an/an/an/an/a