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

5.02%Q2 ’094.73%Q2 ’104.17%Q2 ’11+9%-4%

Non-interest income vs. expense

2.73%Q2 ’092.82%Q2 ’102.30%Q2 ’11+24%-10%

Executive Summary

  • Earnings: ROA of 0.85%, up 8 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.13%.
  • Funding: loans stand at 53.03% of deposits as of Q2 2011.

Financial Results

Return on Assets (quarter, annualized)

0.85%+8 bps YoY

Net Interest Margin (quarter, annualized)

3.11%-14 bps YoY

Efficiency Ratio (quarter, annualized)

67.24%-572 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2010Q3 2010Q4 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets0.77%-0.52%-0.31%0.48%0.85%+8 bps
Return on Equity8.33%-5.69%-3.67%5.91%10.49%+216 bps
Net Interest Margin3.25%2.97%3.15%2.84%3.11%-14 bps
Efficiency Ratio72.96%81.99%67.84%70.21%67.24%-572 bps
Non-Interest Burden2.21%2.30%1.92%1.87%1.99%-22 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-0.01%0.23%7.26%0.00%0.13%+15 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