PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First State Bank of Pekin

Pekin, IL · Cert 20361

FDIC

Q1 2001

$23.9MAssets
$14.0MLoans
$21.4MDeposits
$2.2MEquity
Deposit mix
88%Interest-bearing $18.7M12%Noninterest $2.6MQ2 1999Q1 2001

Executive Summary

  • Earnings: ROA of 0.08%, down 140 bps year over year; NIM at 3.21%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 65.59% of deposits as of Q1 2001.

Return on Assets (YTD, annualized)

0.08%-140 bps YoY

Net Interest Margin (YTD, annualized)

3.21%
n/a

Efficiency Ratio (YTD, annualized)

97.47%
n/a

Tier 1 Leverage Ratio

n/a
n/a

NIM

Non-interest income vs. expense

Year to date, annualized, through each quarter.

MetricQ2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets0.92%0.71%0.51%1.49%0.99%0.71%0.62%0.08%-140 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a3.21%n/an/a
Efficiency Ration/an/an/an/an/an/an/a97.47%n/an/a
Non-Interest Burdenn/an/an/an/an/an/an/a3.09%n/an/a
Growth
Asset Growth (YoY)7.95%-4.28%-5.00%-2.26%-4.92%19.72%20.67%18.93%+2,119 bps
Loan Growth (YoY)27.80%31.21%25.91%11.50%9.86%12.26%20.27%11.82%+31 bps
Deposit Growth (YoY)8.16%-5.45%-7.75%-3.13%-6.25%21.27%24.16%20.66%+2,379 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 / Loansn/an/an/an/an/an/an/a0.00%n/an/a
Allowance / Loansn/an/an/an/an/an/an/a0.49%n/an/a
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 Capitaln/an/an/an/an/an/an/a12.86%n/an/a
Equity / Assetsn/an/an/an/an/an/an/a9.07%n/an/a
Liquidity & Funding
Loans / Deposits61.18%71.46%69.98%70.77%71.68%66.15%67.79%65.59%-519 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%13.51%+1,351 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a