PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

State Bank of Prairie Du Rocher

Prairie Du Rocher, IL · Cert 12117

FDIC

Q3 2012

$65.2MAssets
$39.2MLoans
$60.4MDeposits
$4.3MEquity
Loan mix
81%RE $28.7M3%C&I $1.2M16%Consumer $5.6MQ3 2011Q3 2012
Deposit mix
93%Interest-bearing $56.3M7%Noninterest $4.1MQ3 2011Q3 2012

NIM

5.07%Q3 ’104.50%Q3 ’113.98%Q3 ’12-8%-10%

Non-interest income vs. expense

2.68%Q3 ’102.61%Q3 ’112.46%Q3 ’12-11%-4%

Executive Summary

  • Earnings: ROA of 1.09%, down 26 bps year over year; NIM at 2.82%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 64.97% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

1.09%-26 bps YoY

Net Interest Margin (YTD, annualized)

2.82%-31 bps YoY

Efficiency Ratio (YTD, annualized)

69.43%+305 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets1.35%1.24%0.81%1.00%1.09%-26 bps
Return on Equity17.63%16.17%10.86%13.53%15.10%-252 bps
Net Interest Margin3.12%3.04%2.92%2.79%2.82%-31 bps
Efficiency Ratio66.38%69.00%77.66%71.57%69.43%+305 bps
Non-Interest Burden1.80%1.85%2.11%1.80%1.73%-7 bps
Growth
Asset Growth (YoY)14.64%13.21%10.29%12.90%11.37%-326 bps
Loan Growth (YoY)3.69%4.12%4.06%8.34%9.52%+583 bps
Deposit Growth (YoY)15.15%13.58%10.37%13.23%12.64%-252 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%0.08%0.05%0.04%0.03%0 bps
Allowance / Loans0.70%0.61%0.60%0.58%0.58%-12 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 Capital13.86%13.59%13.60%13.36%12.07%-179 bps
Equity / Assets7.69%7.61%7.29%7.22%6.66%-103 bps
Liquidity & Funding
Loans / Deposits66.82%66.57%61.84%63.05%64.97%-185 bps
Liquid Assets / Assets30.46%32.58%33.94%32.63%32.28%+182 bps
CRE / Total Capitaln/an/an/an/an/an/an/a