PackageTrendsPeer
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State Bank of Allerton, The

Allerton, IL · Cert 12094

FDIC

Q3 2004

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: Q3 2004, the quarter ended September 30, 2004, 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

State Bank of Allerton, The

Allerton, IL · Cert 12094

FDIC

Q3 2004

$19.3MAssets
$9.3MLoans
$17.7MDeposits
$1.6MEquity
Deposit mix
83%Interest-bearing $14.7M17%Noninterest $3.0MQ3 2003Q3 2004

NIM

5.16%Q3 ’024.29%Q3 ’033.65%Q3 ’04-8%-12%

Non-interest income vs. expense

2.24%Q3 ’022.25%Q3 ’032.20%Q3 ’04-1%-4%

Executive Summary

  • Earnings: ROA of 0.76%, down 30 bps year over year; NIM at 2.73%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 52.67% of deposits as of Q3 2004.

Financial Results

Return on Assets (YTD, annualized)

0.76%-30 bps YoY

Net Interest Margin (YTD, annualized)

2.73%-37 bps YoY

Efficiency Ratio (YTD, annualized)

74.50%+608 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets1.06%0.98%0.55%0.62%0.76%-30 bps
Return on Equity11.39%10.79%6.38%7.87%9.45%-194 bps
Net Interest Margin3.10%3.19%2.55%2.62%2.73%-37 bps
Efficiency Ratio68.42%69.95%81.16%77.89%74.50%+608 bps
Non-Interest Burden2.06%2.17%2.03%2.00%1.98%-8 bps
Growth
Asset Growth (YoY)-2.95%10.74%-0.29%14.52%15.77%+1,873 bps
Loan Growth (YoY)-2.26%-8.10%-6.97%9.95%2.14%+440 bps
Deposit Growth (YoY)-2.90%13.15%-0.16%16.87%18.07%+2,097 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.61%0.68%0.69%0.60%0.60%-1 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 Capital14.72%14.54%15.01%13.05%13.87%-85 bps
Equity / Assets10.15%8.55%8.63%6.81%8.43%-172 bps
Liquidity & Funding
Loans / Deposits60.88%48.48%46.00%44.23%52.67%-821 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a