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Central Trust and Savings Bank

Cherokee, IA · Cert 10113

FDIC

Q3 2001

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 2001, the quarter ended September 30, 2001, 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

Central Trust and Savings Bank

Cherokee, IA · Cert 10113

FDIC

Q3 2001

$66.4MAssets
$49.5MLoans
$60.3MDeposits
$4.9MEquity
Loan mix
59%RE $16.1M41%C&I $11.0M0%Consumer $0.0MQ4 1999Q3 2001
Deposit mix
94%Interest-bearing $56.8M6%Noninterest $3.4MQ4 1999Q3 2001

Executive Summary

  • Earnings: ROA of 1.10%, up 3 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Funding: loans stand at 82.18% of deposits as of Q3 2001.

Return on Assets (YTD, annualized)

1.10%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.20%

Efficiency Ratio (YTD, annualized)

56.45%

Tier 1 Leverage Ratio

n/a
n/a

NIM

8.13%Q1 ’018.11%Q2 ’017.38%Q3 ’01+3%-8%

Non-interest income vs. expense

2.15%Q1 ’012.21%Q2 ’012.11%Q3 ’01-2%-1%

Year to date, annualized, through each quarter.

MetricQ4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.07%0.86%1.06%1.07%1.09%1.05%1.24%1.10%+3 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a3.38%3.49%3.20%n/a
Efficiency Ration/an/an/an/an/a54.81%53.76%56.45%n/a
Non-Interest Burdenn/an/an/an/an/a1.61%1.58%1.57%n/a
Growth
Asset Growth (YoY)15.57%13.14%10.17%-0.61%11.74%8.77%3.59%25.16%+2,578 bps
Loan Growth (YoY)25.43%18.53%10.20%0.49%18.25%15.99%-1.39%6.92%+643 bps
Deposit Growth (YoY)4.12%2.18%0.88%0.30%17.35%18.23%23.52%41.99%+4,169 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 / Loansn/an/an/an/an/a0.02%0.07%0.04%n/a
Allowance / Loansn/an/an/an/an/a0.89%0.95%0.92%n/a
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 Capitaln/an/an/an/an/a8.80%10.13%10.06%n/a
Equity / Assetsn/an/an/an/an/a7.29%7.86%7.41%n/a
Liquidity & Funding
Loans / Deposits108.14%108.63%115.51%109.13%108.97%106.58%92.22%82.18%-2,695 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.72%0.74%0.63%+63 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a