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First State Bank of Beardstown

Beardstown, IL · Cert 12547

FDIC

Q3 2009

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 2009, the quarter ended September 30, 2009, 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

First State Bank of Beardstown

Beardstown, IL · Cert 12547

FDIC

Q3 2009

$57.2MAssets
$24.4MLoans
$46.4MDeposits
$6.4MEquity
Deposit mix
81%Interest-bearing $37.6M19%Noninterest $8.8MQ3 2008Q3 2009

NIM

5.93%Q3 ’075.38%Q3 ’084.68%Q3 ’09-11%-10%

Non-interest income vs. expense

3.70%Q3 ’073.47%Q3 ’083.71%Q3 ’09-16%+14%

Executive Summary

  • Earnings: ROA of 0.52%, down 72 bps year over year; NIM at 3.04%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.45%.
  • Funding: loans stand at 52.65% of deposits as of Q3 2009.

Financial Results

Return on Assets (YTD, annualized)

0.52%-72 bps YoY

Net Interest Margin (YTD, annualized)

3.04%-32 bps YoY

Efficiency Ratio (YTD, annualized)

90.37%+1,360 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets1.24%1.10%1.02%0.84%0.52%-72 bps
Return on Equity11.70%10.71%9.94%8.04%4.84%-687 bps
Net Interest Margin3.36%3.27%3.07%3.02%3.04%-32 bps
Efficiency Ratio76.77%78.71%79.24%85.37%90.37%+1,360 bps
Non-Interest Burden2.31%2.32%2.23%2.42%2.64%+33 bps
Growth
Asset Growth (YoY)16.09%10.96%4.16%3.43%-0.25%-1,634 bps
Loan Growth (YoY)1.37%-6.04%-7.94%-10.12%-10.18%-1,155 bps
Deposit Growth (YoY)22.94%20.05%10.60%8.65%3.72%-1,923 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.25%0.26%0.10%0.51%0.45%+21 bps
Allowance / Loans1.71%1.97%2.16%2.05%1.97%+27 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 Capital21.46%17.38%17.52%17.36%16.58%-488 bps
Equity / Assets10.07%8.94%11.50%11.08%11.25%+118 bps
Liquidity & Funding
Loans / Deposits60.80%56.84%53.81%52.15%52.65%-814 bps
Liquid Assets / Assets2.10%6.72%13.83%7.01%4.16%+205 bps
CRE / Total Capitaln/an/an/an/an/an/an/a