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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

3.57%Q3 ’122.89%Q3 ’132.62%Q3 ’14-14%-8%

Non-interest income vs. expense

2.34%Q3 ’122.28%Q3 ’132.51%Q3 ’14-10%+15%

Executive Summary

  • Earnings: ROA of -0.14%, down 77 bps year over year; NIM at 2.25%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.06%.
  • Funding: loans stand at 27.30% of deposits as of Q3 2014.

Financial Results

Return on Assets (quarter, annualized)

-0.14%-77 bps YoY

Net Interest Margin (quarter, annualized)

2.25%-20 bps YoY

Efficiency Ratio (quarter, annualized)

89.60%+1,426 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets0.63%0.55%0.76%0.69%-0.14%-77 bps
Return on Equity9.44%8.40%11.08%9.33%-1.73%-1,118 bps
Net Interest Margin2.45%2.46%2.40%2.34%2.25%-20 bps
Efficiency Ratio75.34%81.69%77.06%77.17%89.60%+1,426 bps
Non-Interest Burden1.70%1.91%1.73%1.67%1.96%+26 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 / Loans0.00%0.03%0.17%-0.08%0.06%+6 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