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Roberts State Bank

Roberts, IL · Cert 12398

FDIC

Q3 2002

$27.0MAssets
$18.4MLoans
$24.0MDeposits
$2.9MEquity
Deposit mix
90%Interest-bearing $21.5M10%Noninterest $2.5MQ3 2001Q3 2002

NIM

7.74%Q1 ’017.30%Q3 ’016.39%Q3 ’02-8%+6%

Non-interest income vs. expense

2.62%Q1 ’012.58%Q3 ’012.49%Q3 ’02-2%-2%

Executive Summary

  • Earnings: ROA of 1.35%, up 17 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.07%.
  • Funding: loans stand at 76.77% of deposits as of Q3 2002.

Financial Results

Return on Assets (YTD, annualized)

1.35%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.83%+23 bps YoY

Efficiency Ratio (YTD, annualized)

61.33%-538 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2001Q4 2001Q1 2002Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets1.19%1.16%1.30%1.33%1.35%+17 bps
Return on Equityn/an/a13.48%13.39%13.44%n/a
Net Interest Margin3.60%3.42%3.62%3.76%3.83%+23 bps
Efficiency Ratio66.71%66.98%62.09%61.43%61.33%-538 bps
Non-Interest Burden2.31%2.22%2.15%2.22%2.26%-5 bps
Growth
Asset Growth (YoY)5.88%7.81%5.60%0.78%-2.34%-822 bps
Loan Growth (YoY)8.20%6.02%6.85%9.26%8.12%-8 bps
Deposit Growth (YoY)5.60%8.35%6.22%0.48%-2.81%-841 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.16%0.17%0.25%0.11%0.07%-9 bps
Allowance / Loans0.97%0.97%0.93%0.98%0.99%+2 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 Capital15.97%16.08%15.57%16.18%15.46%-50 bps
Equity / Assets10.05%9.63%9.66%10.48%10.55%+50 bps
Liquidity & Funding
Loans / Deposits69.01%64.90%68.74%72.60%76.77%+776 bps
Liquid Assets / Assets0.90%0.52%0.53%0.55%0.56%-35 bps
CRE / Total Capitaln/an/an/an/an/an/an/a