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Farmers State Bank Chadwick and Mount Carroll

Mount Carroll, IL · Cert 1805

FDIC

Q3 2001

$66.4MAssets
$45.7MLoans
$60.0MDeposits
$5.9MEquity
Deposit mix
97%Interest-bearing $58.1M3%Noninterest $1.9MQ3 2000Q3 2001

NIM

7.45%Q1 ’017.50%Q2 ’017.27%Q3 ’01+8%-1%

Non-interest income vs. expense

2.12%Q1 ’012.21%Q2 ’012.28%Q3 ’01+4%+5%

Executive Summary

  • Earnings: ROA of 1.91%, up 64 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 76.21% of deposits as of Q3 2001.

Financial Results

Return on Assets (quarter, annualized)

1.91%+64 bps YoY

Net Interest Margin (quarter, annualized)

3.06%

Efficiency Ratio (quarter, annualized)

63.67%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.27%1.25%1.17%1.42%1.91%+64 bps
Return on Equityn/an/an/a16.41%21.74%n/a
Net Interest Marginn/an/a2.88%3.10%3.06%n/a
Efficiency Ration/an/a62.59%60.76%63.67%n/a
Non-Interest Burdenn/an/a1.61%1.67%1.76%n/a
Growth
Asset Growth (YoY)8.37%6.10%1.65%-0.43%-1.40%-977 bps
Loan Growth (YoY)14.21%11.99%5.59%0.41%-4.83%-1,903 bps
Deposit Growth (YoY)10.86%4.92%-0.27%-0.91%-2.38%-1,324 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.02%0.08%0.01%n/a
Allowance / Loansn/an/a1.06%1.05%1.07%n/a
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 Capitaln/an/a12.66%12.16%12.39%n/a
Equity / Assetsn/an/a8.65%8.71%8.86%n/a
Liquidity & Funding
Loans / Deposits78.17%75.70%77.49%77.84%76.21%-196 bps
Liquid Assets / Assets0.00%0.00%0.24%0.25%1.41%+141 bps
CRE / Total Capitaln/an/an/an/an/an/an/a