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Sidell State Bank

Sidell, IL · Cert 15807

FDIC · 2 branches

Q2 2015

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: Q2 2015, the quarter ended June 30, 2015, 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

Sidell State Bank

Sidell, IL · Cert 15807

FDIC · 2 branches

Q2 2015

$24.2MAssets
$7.6MLoans
$21.9MDeposits
$2.3MEquity
Loan mix
47%RE $1.6M31%C&I $1.1M22%Consumer $0.8MQ3 2013Q2 2015
Deposit mix
59%Interest-bearing $12.9M41%Noninterest $8.9MQ3 2013Q2 2015

Market Position · Danville, IL · 2015 SOD (annual) · 1.2% share · #14 of 16 inst. · $0.0B of $1.1B

1.2% Vermilion
0.2% Champaign

Executive Summary

  • Earnings: ROA of 0.19%, up 20 bps year over year; NIM at 2.11%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 9.88%.
  • Funding: loans stand at 34.90% of deposits as of Q2 2015.

Return on Assets (YTD, annualized)

0.19%+20 bps YoY

Net Interest Margin (YTD, annualized)

2.11%+26 bps YoY

Efficiency Ratio (YTD, annualized)

93.22%-747 bps YoY

Tier 1 Leverage Ratio

9.88%

NIM

1.87%Q2 ’131.90%Q2 ’142.15%Q2 ’15+2%+14%

Non-interest income vs. expense

2.25%Q2 ’132.23%Q2 ’142.32%Q2 ’150%+4%

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets0.03%0.05%-0.07%-0.02%0.06%0.11%0.27%0.19%+20 bps
Return on Equity0.28%0.46%-0.68%-0.17%0.57%1.06%2.73%1.88%+205 bps
Net Interest Margin2.07%2.15%1.74%1.85%2.09%2.27%2.09%2.11%+26 bps
Efficiency Ratio99.54%98.64%102.86%100.69%97.76%95.85%89.54%93.22%-747 bps
Non-Interest Burden2.06%2.12%1.80%1.86%2.04%2.16%1.84%1.94%+8 bps
Growth
Asset Growth (YoY)-10.11%-7.39%-2.74%2.44%-5.95%10.09%-9.96%-6.38%-883 bps
Loan Growth (YoY)-7.45%-5.10%-2.75%0.17%4.89%19.93%11.22%-0.97%-114 bps
Deposit Growth (YoY)-10.39%-7.66%-2.59%2.98%-6.74%7.80%-10.86%-6.94%-992 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.02%0.05%-0.06%-0.03%-0.03%-0.04%-0.05%-0.03%0 bps
Allowance / Loans1.97%1.80%2.20%2.05%1.85%1.54%2.03%2.12%+7 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/a9.36%9.88%n/a
Total Risk-Based Capital22.48%22.72%22.72%22.19%22.09%19.59%22.70%24.18%+199 bps
Equity / Assets9.83%11.45%8.79%9.07%10.59%10.43%9.65%9.58%+51 bps
Liquidity & Funding
Loans / Deposits38.77%47.87%29.41%32.80%43.60%53.26%36.70%34.90%+210 bps
Liquid Assets / Assets26.97%24.44%30.24%33.60%29.17%22.93%27.73%22.57%-1,103 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a