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Maroa Forsyth Community Bank

Maroa, IL · Cert 17032

FDIC

Q2 2011

$19.6MAssets
$8.2MLoans
$16.7MDeposits
$2.8MEquity
Loan mix
66%RE $3.9M15%C&I $0.9M20%Consumer $1.1MQ2 2010Q2 2011
Deposit mix
82%Interest-bearing $13.7M18%Noninterest $3.0MQ2 2010Q2 2011

NIM

5.26%Q2 ’094.75%Q2 ’103.89%Q2 ’11-7%-13%

Non-interest income vs. expense

3.98%Q2 ’094.11%Q2 ’104.04%Q2 ’11+41%+2%

Executive Summary

  • Earnings: ROA of -0.15%, down 79 bps year over year; NIM at 3.52%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.10%.
  • Funding: loans stand at 49.15% of deposits as of Q2 2011.

Financial Results

Return on Assets (YTD, annualized)

-0.15%-79 bps YoY

Net Interest Margin (YTD, annualized)

3.52%-52 bps YoY

Efficiency Ratio (YTD, annualized)

90.89%+1,040 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2010Q3 2010Q4 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets0.64%0.20%0.45%0.53%-0.15%-79 bps
Return on Equity4.45%1.41%3.24%3.77%-1.05%-550 bps
Net Interest Margin4.04%3.41%3.63%3.55%3.52%-52 bps
Efficiency Ratio80.49%88.23%85.22%88.66%90.89%+1,040 bps
Non-Interest Burden3.04%2.90%2.93%3.03%3.11%+7 bps
Growth
Asset Growth (YoY)3.72%0.10%-4.96%4.68%-4.84%-857 bps
Loan Growth (YoY)-1.65%5.89%3.89%-2.73%-3.96%-231 bps
Deposit Growth (YoY)3.97%0.43%-6.25%5.76%-5.07%-903 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.45%0.85%0.60%0.19%0.10%-135 bps
Allowance / Loans0.83%1.02%0.96%1.04%2.66%+183 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 Capital23.26%17.90%17.87%19.51%20.18%-308 bps
Equity / Assets14.25%12.68%14.11%14.16%14.45%+20 bps
Liquidity & Funding
Loans / Deposits48.58%45.49%56.85%48.95%49.15%+57 bps
Liquid Assets / Assets2.47%3.09%0.05%10.51%6.38%+391 bps
CRE / Total Capitaln/an/an/an/an/an/an/a