PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Schuyler State Bank

Rushville, IL · Cert 19710

FDIC

Q3 2013

$54.6MAssets
$30.0MLoans
$49.7MDeposits
$4.8MEquity
Loan mix
86%RE $21.2M4%C&I $0.9M10%Consumer $2.4MQ4 2011Q3 2013
Deposit mix
81%Interest-bearing $40.5M19%Noninterest $9.2MQ4 2011Q3 2013

Executive Summary

  • Earnings: ROA of 0.64%, down 15 bps year over year; NIM at 2.95%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.20%.
  • Funding: loans stand at 60.44% of deposits as of Q3 2013.

Return on Assets (quarter, annualized)

0.64%-15 bps YoY

Net Interest Margin (quarter, annualized)

2.95%-27 bps YoY

Efficiency Ratio (quarter, annualized)

77.71%+83 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.51%Q3 ’113.84%Q3 ’123.39%Q3 ’13-11%-8%

Non-interest income vs. expense

3.02%Q3 ’112.87%Q3 ’122.71%Q3 ’13-8%-8%

Discrete quarter, annualized.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets1.10%0.91%0.80%0.79%0.12%0.49%0.63%0.64%-15 bps
Return on Equity11.21%9.36%8.37%8.52%1.31%5.46%6.90%7.05%-147 bps
Net Interest Margin3.45%3.29%3.20%3.22%3.07%2.94%2.96%2.95%-27 bps
Efficiency Ratio71.29%76.09%77.66%76.88%74.89%79.61%77.73%77.71%+83 bps
Non-Interest Burden2.34%2.41%2.38%2.35%2.18%2.26%2.20%2.17%-18 bps
Growth
Asset Growth (YoY)-0.58%-0.15%2.66%9.95%4.84%6.88%3.42%0.74%-921 bps
Loan Growth (YoY)-6.23%-8.57%-5.95%-3.30%-3.65%3.47%-1.30%-9.20%-591 bps
Deposit Growth (YoY)-3.43%-0.16%2.67%12.93%8.78%7.76%5.39%0.95%-1,198 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 / Loans0.05%-0.02%-0.01%0.06%1.76%0.65%-0.08%0.20%+14 bps
Allowance / Loans1.03%1.07%1.07%1.05%0.96%0.85%0.96%1.03%-3 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 Capital16.32%16.54%16.24%16.27%16.22%15.47%16.29%16.53%+26 bps
Equity / Assets9.75%9.60%9.50%9.00%9.06%8.89%9.30%8.81%-20 bps
Liquidity & Funding
Loans / Deposits74.03%68.57%70.87%67.20%65.57%65.84%66.36%60.44%-676 bps
Liquid Assets / Assets30.38%30.72%32.50%27.92%32.89%35.30%35.76%33.62%+570 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a