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Farmer City State Bank

Farmer City, IL · Cert 15855

FDIC

Q2 2012

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 2012, the quarter ended June 30, 2012, 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

Farmer City State Bank

Farmer City, IL · Cert 15855

FDIC

Q2 2012

$79.1MAssets
$15.6MLoans
$69.8MDeposits
$8.8MEquity
Loan mix
84%RE $5.0M8%C&I $0.5M9%Consumer $0.5MQ2 2011Q2 2012
Deposit mix
87%Interest-bearing $60.4M13%Noninterest $9.4MQ2 2011Q2 2012

NIM

4.65%Q2 ’103.93%Q2 ’113.44%Q2 ’12-6%-9%

Non-interest income vs. expense

3.37%Q2 ’103.05%Q2 ’112.76%Q2 ’12-13%-28%

Executive Summary

  • Earnings: ROA of 1.47%, up 63 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.99%.
  • Funding: loans stand at 22.31% of deposits as of Q2 2012.

Financial Results

Return on Assets (YTD, annualized)

1.47%+63 bps YoY

Net Interest Margin (YTD, annualized)

2.96%-29 bps YoY

Efficiency Ratio (YTD, annualized)

64.02%-624 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets0.85%0.89%1.23%1.52%1.47%+63 bps
Return on Equity7.51%7.82%10.71%13.11%12.92%+541 bps
Net Interest Margin3.25%3.14%3.05%2.96%2.96%-29 bps
Efficiency Ratio70.27%70.43%68.02%64.07%64.02%-624 bps
Non-Interest Burden1.96%1.89%1.69%1.39%1.41%-55 bps
Growth
Asset Growth (YoY)8.96%12.68%12.81%9.81%18.38%+941 bps
Loan Growth (YoY)-22.00%-22.08%-18.59%-22.22%-21.23%+77 bps
Deposit Growth (YoY)10.12%14.90%12.49%9.34%19.33%+921 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.51%2.94%2.17%1.82%0.99%-252 bps
Allowance / Loans1.89%2.21%2.23%2.36%2.37%+48 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 Capital25.74%26.49%26.71%30.16%31.38%+563 bps
Equity / Assets11.70%11.72%11.61%11.54%11.13%-57 bps
Liquidity & Funding
Loans / Deposits33.80%31.20%30.59%24.44%22.31%-1,149 bps
Liquid Assets / Assets1.95%2.02%1.79%2.43%2.21%+25 bps
CRE / Total Capitaln/an/an/an/an/an/an/a