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State Bank of Auburn

Auburn, IL · Cert 15859

FDIC

Q2 2005

$71.5MAssets
$18.7MLoans
$61.3MDeposits
$9.9MEquity
Loan mix
90%RE $10.7M10%C&I $1.2M0%Consumer $0.0MQ2 2004Q2 2005
Deposit mix
90%Interest-bearing $54.9M10%Noninterest $6.4MQ2 2004Q2 2005

NIM

5.27%Q2 ’034.70%Q2 ’044.25%Q2 ’05-8%+3%

Non-interest income vs. expense

1.20%Q2 ’031.29%Q2 ’041.64%Q2 ’05+20%+21%

Executive Summary

  • Earnings: ROA of 1.27%, down 13 bps year over year; NIM at 2.50%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.32%.
  • Funding: loans stand at 30.54% of deposits as of Q2 2005.

Financial Results

Return on Assets (quarter, annualized)

1.27%-13 bps YoY

Net Interest Margin (quarter, annualized)

2.50%+6 bps YoY

Efficiency Ratio (quarter, annualized)

56.13%+872 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets1.41%1.51%1.18%1.30%1.27%-13 bps
Return on Equity12.66%13.45%10.17%10.45%9.27%-339 bps
Net Interest Margin2.44%2.49%2.30%2.37%2.50%+6 bps
Efficiency Ratio47.41%46.45%54.90%52.58%56.13%+872 bps
Non-Interest Burden1.01%0.97%1.11%1.08%1.22%+21 bps
Growth
Asset Growth (YoY)1.42%-0.13%0.38%-19.40%-19.50%-2,092 bps
Loan Growth (YoY)-2.41%-3.34%-6.52%-43.75%-43.73%-4,131 bps
Deposit Growth (YoY)2.99%-0.73%0.18%-4.12%-5.89%-888 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.06%0.22%0.45%0.15%1.32%+126 bps
Allowance / Loans1.45%1.43%1.35%2.21%1.92%+47 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 Capital24.64%26.22%26.13%39.85%37.60%+1,296 bps
Equity / Assets10.61%11.83%11.48%13.56%13.90%+329 bps
Liquidity & Funding
Loans / Deposits51.08%52.59%50.46%30.88%30.54%-2,053 bps
Liquid Assets / Assets0.79%0.81%1.58%17.08%17.15%+1,636 bps
CRE / Total Capitaln/an/an/an/an/an/an/a