PackageTrendsPeer
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State Bank of Rosiclare

Rosiclare, IL · Cert 9641

FDIC · 4 branches

Q3 2014

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 2014, the quarter ended September 30, 2014, 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 Rosiclare

Rosiclare, IL · Cert 9641

FDIC · 4 branches

Q3 2014

$104.0MAssets
$26.0MLoans
$95.1MDeposits
$8.5MEquity
Loan mix
63%RE $15.7M29%C&I $7.2M8%Consumer $2.1MQ3 2013Q3 2014
Deposit mix
78%Interest-bearing $74.1M22%Noninterest $20.9MQ3 2013Q3 2014

NIM

3.64%Q3 ’122.72%Q3 ’132.69%Q3 ’14-22%+1%

Non-interest income vs. expense

2.30%Q3 ’122.14%Q3 ’132.31%Q3 ’14-16%+12%

Executive Summary

  • Earnings: ROA of 0.44%, down 19 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 0.05%.
  • Funding: loans stand at 27.30% of deposits as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

0.44%-19 bps YoY

Net Interest Margin (YTD, annualized)

2.30%+3 bps YoY

Efficiency Ratio (YTD, annualized)

81.21%+552 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets0.62%0.61%0.76%0.73%0.44%-19 bps
Return on Equity8.42%8.41%11.08%10.14%5.88%-255 bps
Net Interest Margin2.27%2.27%2.40%2.34%2.30%+3 bps
Efficiency Ratio75.70%77.29%77.06%77.12%81.21%+552 bps
Non-Interest Burden1.58%1.63%1.73%1.68%1.77%+18 bps
Growth
Asset Growth (YoY)43.36%29.47%0.86%5.80%3.62%-3,974 bps
Loan Growth (YoY)21.02%15.96%11.12%8.03%-8.79%-2,981 bps
Deposit Growth (YoY)51.78%50.00%2.81%6.12%2.56%-4,922 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.75%1.32%0.17%0.04%0.05%-170 bps
Allowance / Loans1.35%1.40%1.44%1.43%1.56%+21 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 Capital18.71%18.80%19.10%19.13%22.20%+349 bps
Equity / Assets6.60%6.57%7.09%7.80%8.13%+153 bps
Liquidity & Funding
Loans / Deposits30.70%31.05%29.47%29.91%27.30%-340 bps
Liquid Assets / Assets0.13%0.13%0.12%0.03%0.00%-13 bps
CRE / Total Capitaln/an/an/an/an/an/an/a