PackageTrendsPeer
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State Bank of Countryside

Countryside, IL · Cert 21952

FDIC · 6 branches

Q3 2019

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 2019, the quarter ended September 30, 2019, 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 Countryside

Countryside, IL · Cert 21952

FDIC · 6 branches

Q3 2019

$590.7MAssets
$442.7MLoans
$513.1MDeposits
$69.5MEquity
Loan mix
86%RE $355.9M14%C&I $57.6M0%Consumer $0.2MQ3 2018Q3 2019
Deposit mix
72%Interest-bearing $368.8M28%Noninterest $144.3MQ3 2018Q3 2019

NIM

4.84%Q3 ’174.85%Q3 ’185.40%Q3 ’19-1%+6%

Non-interest income vs. expense

3.21%Q3 ’173.57%Q3 ’183.46%Q3 ’19+8%-3%

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2019 SOD (annual) · 0.1% share · #61 of 180 inst. · $0.5B of $415.7B

0.2% Cook
0.2% DuPage
0.4% Will

Executive Summary

  • Earnings: ROA of 2.01%, up 26 bps year over year; NIM at 4.74%.
  • Asset quality: problem loans at 0.65% of loans (-81 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 11.38%, up 24 bps from a year ago.
  • Funding: loans stand at 86.27% of deposits as of Q3 2019.

Financial Results

Return on Assets (YTD, annualized)

2.01%+26 bps YoY

Net Interest Margin (YTD, annualized)

4.74%+26 bps YoY

Efficiency Ratio (YTD, annualized)

61.43%-498 bps YoY

Tier 1 Leverage Ratio

11.38%+24 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets1.75%1.79%1.85%1.92%2.01%+26 bps
Return on Equity16.41%16.61%16.53%16.92%17.59%+118 bps
Net Interest Margin4.48%4.51%4.75%4.74%4.74%+26 bps
Efficiency Ratio66.40%65.39%62.49%62.15%61.43%-498 bps
Non-Interest Burden2.72%2.72%2.80%2.73%2.64%-8 bps
Growth
Asset Growth (YoY)0.28%2.85%5.37%5.22%5.20%+492 bps
Loan Growth (YoY)-2.18%12.43%14.06%22.48%20.87%+2,305 bps
Deposit Growth (YoY)0.20%2.28%2.58%4.23%4.12%+391 bps
Asset Quality
Nonperforming Loans / Loans1.46%0.79%0.69%0.47%0.65%-81 bps
Net Charge-Offs / Loans0.08%0.12%0.03%0.02%0.02%-6 bps
Allowance / Loans1.74%1.54%1.51%1.50%1.46%-28 bps
Allowance Coverage of NPLs1.2x2.0x2.2x3.2x2.2x+1.1x
Capital
Tier 1 Leverage Ratio11.14%11.26%11.21%11.26%11.38%+24 bps
Total Risk-Based Capital13.96%13.66%13.67%13.90%13.13%-83 bps
Equity / Assets10.72%11.17%11.19%11.64%11.77%+105 bps
Liquidity & Funding
Loans / Deposits74.31%81.10%81.41%83.27%86.27%+1,196 bps
Liquid Assets / Assets6.67%1.33%3.74%2.46%3.37%-330 bps
CRE / Total Capitaln/an/an/an/an/an/an/a