PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bluestem National Bank

Fairbury, IL · Cert 9077

FDIC

Q4 2012

$107.6MAssets
$33.0MLoans
$99.9MDeposits
$7.4MEquity
Loan mix
75%RE $18.2M15%C&I $3.8M10%Consumer $2.4MQ1 2011Q4 2012
Deposit mix
82%Interest-bearing $81.8M18%Noninterest $18.1MQ1 2011Q4 2012

Executive Summary

  • Earnings: ROA of 0.61%, up 4 bps year over year; NIM at 2.30%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.32%.
  • Funding: loans stand at 33.00% of deposits as of Q4 2012.

Return on Assets (YTD, annualized)

0.61%1+4 bps YoY

Net Interest Margin (YTD, annualized)

2.30%-34 bps YoY

Efficiency Ratio (YTD, annualized)

94.47%+1,523 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

3.15%Q4 ’102.97%Q4 ’112.50%Q4 ’12+6%-13%

Non-interest income vs. expense

2.47%Q4 ’102.48%Q4 ’112.68%Q4 ’120%+8%

Year to date, annualized, through each quarter.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets0.40%0.50%0.52%0.57%0.23%10.60%10.52%10.61%1+4 bps
Return on Equity2.66%3.34%3.39%3.74%1.49%3.93%3.41%4.54%+79 bps
Net Interest Margin2.37%2.49%2.55%2.64%2.42%2.45%2.32%2.30%-34 bps
Efficiency Ratio83.13%82.70%81.16%79.24%84.26%80.61%83.91%94.47%+1,523 bps
Non-Interest Burden1.90%1.98%1.98%1.99%1.98%1.89%1.88%2.14%+16 bps
Growth
Asset Growth (YoY)8.64%9.01%-1.21%6.17%5.74%0.05%5.22%15.68%+951 bps
Loan Growth (YoY)-2.53%-2.80%7.29%5.21%0.86%0.77%-8.30%-11.42%-1,663 bps
Deposit Growth (YoY)11.32%10.35%-2.62%5.29%5.34%-0.66%6.26%28.33%+2,304 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 / Loans-0.01%0.24%0.17%0.15%0.69%0.61%0.42%0.32%+18 bps
Allowance / Loans0.88%0.74%0.66%0.77%0.95%0.80%0.80%0.78%+2 bps
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 Capital29.75%27.77%26.91%26.29%27.80%29.63%30.18%15.22%-1,106 bps
Equity / Assets14.64%15.08%15.89%15.59%14.71%15.54%15.16%6.89%-870 bps
Liquidity & Funding
Loans / Deposits40.85%41.88%46.67%47.81%39.12%42.49%40.28%33.00%-1,481 bps
Liquid Assets / Assets1.65%1.21%0.33%0.11%0.10%0.11%0.10%0.09%-1 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a