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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

5.14%Q3 ’104.47%Q3 ’114.04%Q3 ’12-10%-7%

Non-interest income vs. expense

2.82%Q3 ’102.57%Q3 ’112.41%Q3 ’12-17%-5%

Executive Summary

  • Earnings: ROA of 1.24%, down 16 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 64.97% of deposits as of Q3 2012.

Financial Results

Return on Assets (quarter, annualized)

1.24%-16 bps YoY

Net Interest Margin (quarter, annualized)

2.90%-23 bps YoY

Efficiency Ratio (quarter, annualized)

65.40%+90 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets1.40%0.92%0.81%1.17%1.24%-16 bps
Return on Equity18.36%11.97%10.86%16.14%17.90%-45 bps
Net Interest Margin3.13%3.03%2.92%2.80%2.90%-23 bps
Efficiency Ratio64.49%76.92%77.66%65.56%65.40%+90 bps
Non-Interest Burden1.71%2.15%2.11%1.59%1.62%-9 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 / Loans0.07%0.24%0.05%0.02%0.01%-6 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