PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Citizens State Bank of Shipman

Shipman, IL · Cert 5760

FDIC

Q2 2011

$60.5MAssets
$27.2MLoans
$51.4MDeposits
$5.0MEquity
Loan mix
50%RE $11.3M40%C&I $9.0M11%Consumer $2.4MQ2 2010Q2 2011
Deposit mix
84%Interest-bearing $43.0M16%Noninterest $8.4MQ2 2010Q2 2011

NIM

4.95%Q2 ’094.68%Q2 ’104.05%Q2 ’11+9%-8%

Non-interest income vs. expense

2.58%Q2 ’092.82%Q2 ’102.26%Q2 ’11+51%-19%

Executive Summary

  • Earnings: ROA of 0.67%, up 6 bps year over year; NIM at 2.94%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.07%.
  • Funding: loans stand at 53.03% of deposits as of Q2 2011.

Financial Results

Return on Assets (YTD, annualized)

0.67%+6 bps YoY

Net Interest Margin (YTD, annualized)

2.94%-25 bps YoY

Efficiency Ratio (YTD, annualized)

68.67%-846 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2010Q3 2010Q4 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets0.61%0.24%0.10%0.48%0.67%+6 bps
Return on Equity6.66%2.62%1.12%5.91%8.21%+155 bps
Net Interest Margin3.20%3.11%3.12%2.84%2.94%-25 bps
Efficiency Ratio77.13%78.77%75.95%70.21%68.67%-846 bps
Non-Interest Burden2.36%2.33%2.23%1.87%1.91%-45 bps
Growth
Asset Growth (YoY)3.19%3.52%0.65%8.39%7.49%+429 bps
Loan Growth (YoY)1.98%5.73%-0.44%-6.11%-8.57%-1,055 bps
Deposit Growth (YoY)1.67%4.50%0.17%10.57%9.39%+772 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.05%0.04%1.85%0.00%0.07%+11 bps
Allowance / Loans0.96%1.69%0.99%1.21%1.21%+25 bps
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 Capital11.00%10.43%10.16%10.57%11.24%+25 bps
Equity / Assets9.29%8.81%8.36%7.90%8.25%-104 bps
Liquidity & Funding
Loans / Deposits63.45%64.65%62.14%54.20%53.03%-1,042 bps
Liquid Assets / Assets0.26%0.22%0.17%0.31%0.49%+23 bps
CRE / Total Capitaln/an/an/an/an/an/an/a