PackageTrendsPeer
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State Bank of Arthur

Arthur, IL · Cert 1800

FDIC · 2 branches

Q3 2017

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: Q3 2017, the quarter ended September 30, 2017, 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

State Bank of Arthur

Arthur, IL · Cert 1800

FDIC · 2 branches

Q3 2017

$133.8MAssets
$63.2MLoans
$115.3MDeposits
$18.4MEquity
Loan mix
42%RE $20.3M39%C&I $18.7M19%Consumer $9.1MQ3 2016Q3 2017
Deposit mix
72%Interest-bearing $83.3M28%Noninterest $32.0MQ3 2016Q3 2017

NIM

3.70%Q3 ’153.62%Q3 ’163.42%Q3 ’17-2%-5%

Non-interest income vs. expense

2.31%Q3 ’152.34%Q3 ’162.27%Q3 ’17+4%-4%

Executive Summary

  • Earnings: ROA of 0.76%, down 11 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.54% of loans (+54 bps YoY), with net charge-offs at 1.57%.
  • Capital: tier 1 leverage ratio of 13.77%, down 33 bps from a year ago.
  • Funding: loans stand at 54.76% of deposits as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

0.76%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.28%-18 bps YoY

Efficiency Ratio (YTD, annualized)

59.57%+81 bps YoY

Tier 1 Leverage Ratio

13.77%-33 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets0.88%0.89%0.77%0.73%0.76%-11 bps
Return on Equity6.28%6.37%5.62%5.30%5.55%-73 bps
Net Interest Margin3.46%3.36%3.30%3.35%3.28%-18 bps
Efficiency Ratio58.76%58.93%60.10%58.33%59.57%+81 bps
Non-Interest Burden1.82%1.77%1.79%1.73%1.74%-8 bps
Growth
Asset Growth (YoY)0.12%-0.37%2.25%5.02%3.31%+320 bps
Loan Growth (YoY)-2.85%-3.58%-2.05%-1.28%2.23%+508 bps
Deposit Growth (YoY)-0.48%-0.59%2.61%5.82%3.79%+426 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%1.54%0.86%0.54%+54 bps
Net Charge-Offs / Loans0.63%0.60%0.91%1.51%1.57%+94 bps
Allowance / Loans1.75%1.74%1.71%1.54%1.44%-32 bps
Allowance Coverage of NPLsn/an/a1.1x1.8x2.7xn/a
Capital
Tier 1 Leverage Ratio14.10%13.70%13.87%14.06%13.77%-33 bps
Total Risk-Based Capital25.84%25.67%25.77%25.99%26.23%+39 bps
Equity / Assets14.06%13.52%13.86%13.93%13.77%-29 bps
Liquidity & Funding
Loans / Deposits55.60%55.00%55.75%55.05%54.76%-83 bps
Liquid Assets / Assets22.67%24.30%23.26%25.03%28.87%+620 bps
CRE / Total Capitaln/an/an/an/an/an/an/a