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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 $0.0MQ3 2000Q3 2001
Deposit mix
94%Interest-bearing $56.8M6%Noninterest $3.4MQ3 2000Q3 2001

NIM

8.13%Q1 ’017.92%Q2 ’017.20%Q3 ’01+4%-10%

Non-interest income vs. expense

2.15%Q1 ’012.23%Q2 ’012.25%Q3 ’01-5%+18%

Executive Summary

  • Earnings: ROA of 0.89%, down 18 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.02%.
  • Funding: loans stand at 82.18% of deposits as of Q3 2001.

Financial Results

Return on Assets (quarter, annualized)

0.89%-18 bps YoY

Net Interest Margin (quarter, annualized)

3.18%

Efficiency Ratio (quarter, annualized)

62.06%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.07%1.09%1.05%1.42%0.89%-18 bps
Return on Equityn/an/an/a18.82%11.70%n/a
Net Interest Marginn/an/a3.38%3.52%3.18%n/a
Efficiency Ration/an/a54.81%52.77%62.06%n/a
Non-Interest Burdenn/an/a1.61%1.53%1.80%n/a
Growth
Asset Growth (YoY)-0.61%11.74%8.77%3.59%25.16%+2,578 bps
Loan Growth (YoY)0.49%18.25%15.99%-1.39%6.92%+643 bps
Deposit Growth (YoY)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 bps
Net Charge-Offs / Loansn/an/a0.02%0.12%-0.02%n/a
Allowance / Loansn/an/a0.89%0.95%0.92%n/a
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 Capitaln/an/a8.80%10.13%10.06%n/a
Equity / Assetsn/an/a7.29%7.86%7.41%n/a
Liquidity & Funding
Loans / Deposits109.13%108.97%106.58%92.22%82.18%-2,695 bps
Liquid Assets / Assets0.00%0.00%0.72%0.74%0.63%+63 bps
CRE / Total Capitaln/an/an/an/an/an/an/a