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State Bank of Lima, The

Lima, IL · Cert 5735

FDIC · 1 branch

Q2 2015

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: Q2 2015, the quarter ended June 30, 2015, 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 Lima, The

Lima, IL · Cert 5735

FDIC · 1 branch

Q2 2015

$29.3MAssets
$12.2MLoans
$24.8MDeposits
$3.9MEquity
Loan mix
63%RE $5.2M34%C&I $2.9M2%Consumer $0.2MQ2 2014Q2 2015
Deposit mix
83%Interest-bearing $20.6M17%Noninterest $4.2MQ2 2014Q2 2015

NIM

3.42%Q2 ’133.60%Q2 ’143.05%Q2 ’15+9%-14%

Non-interest income vs. expense

1.47%Q2 ’131.89%Q2 ’144.26%Q2 ’15+30%+142%

Executive Summary

  • Earnings: ROA of 0.46%, down 95 bps year over year; NIM at 2.69%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.05%.
  • Funding: loans stand at 49.28% of deposits as of Q2 2015.

Financial Results

Return on Assets (YTD, annualized)

0.46%1-95 bps YoY

Net Interest Margin (YTD, annualized)

2.69%-45 bps YoY

Efficiency Ratio (YTD, annualized)

145.10%+8,900 bps YoY

Tier 1 Leverage Ratio

12.05%

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets1.41%1.48%0.14%1.47%0.46%1-95 bps
Return on Equity13.11%13.05%1.17%11.11%3.42%-970 bps
Net Interest Margin3.14%3.28%3.32%3.08%2.69%-45 bps
Efficiency Ratio56.10%55.47%94.98%57.41%145.10%+8,900 bps
Non-Interest Burden1.66%1.72%3.14%1.68%4.02%+235 bps
Growth
Asset Growth (YoY)-8.19%-11.25%-9.50%-11.61%-15.63%-744 bps
Loan Growth (YoY)-11.15%-11.71%-14.35%-16.26%-26.64%-1,549 bps
Deposit Growth (YoY)-9.11%-14.55%-10.48%-12.82%-15.53%-642 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans2.11%2.13%2.39%2.53%2.88%+77 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/a11.92%12.05%n/a
Total Risk-Based Capital18.59%19.72%19.32%21.34%23.71%+512 bps
Equity / Assets11.96%13.20%12.74%13.79%13.45%+149 bps
Liquidity & Funding
Loans / Deposits56.74%61.89%55.25%53.07%49.28%-746 bps
Liquid Assets / Assets5.77%1.54%3.01%3.79%0.85%-492 bps
CRE / Total Capitaln/an/an/an/an/an/an/a