PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $0.0MQ3 2003Q2 2005
Deposit mix
90%Interest-bearing $54.9M10%Noninterest $6.4MQ3 2003Q2 2005

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.

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
n/a

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%

Discrete quarter, annualized.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets1.42%-0.05%1.82%1.41%1.51%1.18%1.30%1.27%-13 bps
Return on Equity12.41%-0.41%15.90%12.66%13.45%10.17%10.45%9.27%-339 bps
Net Interest Margin2.47%2.11%2.33%2.44%2.49%2.30%2.37%2.50%+6 bps
Efficiency Ratio50.66%57.03%44.74%47.41%46.45%54.90%52.58%56.13%+872 bps
Non-Interest Burden0.92%1.10%0.92%1.01%0.97%1.11%1.08%1.22%+21 bps
Growth
Asset Growth (YoY)-5.20%-4.33%-0.40%1.42%-0.13%0.38%-19.40%-19.50%-2,092 bps
Loan Growth (YoY)1.06%5.94%4.92%-2.41%-3.34%-6.52%-43.75%-43.73%-4,131 bps
Deposit Growth (YoY)-6.39%-4.94%0.30%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.07%0.08%0.32%0.06%0.22%0.45%0.15%1.32%+126 bps
Allowance / Loans1.13%1.77%1.44%1.45%1.43%1.35%2.21%1.92%+47 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/an/an/an/an/a
Total Risk-Based Capital22.39%22.75%24.58%24.64%26.22%26.13%39.85%37.60%+1,296 bps
Equity / Assets11.40%11.23%11.63%10.61%11.83%11.48%13.56%13.90%+329 bps
Liquidity & Funding
Loans / Deposits54.01%54.07%52.64%51.08%52.59%50.46%30.88%30.54%-2,053 bps
Liquid Assets / Assets0.60%0.48%0.52%0.79%0.81%1.58%17.08%17.15%+1,636 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a