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Clarke County State Bank

Osceola, IA · Cert 14980

FDIC · 3 branches

Q2 2018

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: Q2 2018, the quarter ended June 30, 2018, 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

Clarke County State Bank

Osceola, IA · Cert 14980

FDIC · 3 branches

Q2 2018

$106.1MAssets
$79.3MLoans
$94.3MDeposits
$11.4MEquity
Loan mix
88%RE $52.8M10%C&I $5.9M2%Consumer $1.3MQ2 2017Q2 2018
Deposit mix
92%Interest-bearing $86.8M8%Noninterest $7.5MQ2 2017Q2 2018

NIM

3.50%Q2 ’163.47%Q2 ’173.78%Q2 ’18-1%+9%

Non-interest income vs. expense

2.54%Q2 ’162.37%Q2 ’172.27%Q2 ’18-18%+8%

Executive Summary

  • Earnings: ROA of 1.09%, up 9 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 0.21% of loans (-37 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 10.44%, up 7 bps from a year ago.
  • Funding: loans stand at 84.10% of deposits as of Q2 2018.

Financial Results

Return on Assets (YTD, annualized)

1.09%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.47%+29 bps YoY

Efficiency Ratio (YTD, annualized)

59.81%-328 bps YoY

Tier 1 Leverage Ratio

10.44%+7 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets0.99%1.00%1.23%1.14%1.09%+9 bps
Return on Equity9.28%9.41%11.67%11.16%10.45%+117 bps
Net Interest Margin3.18%3.28%3.28%3.44%3.47%+29 bps
Efficiency Ratio63.08%62.76%62.98%63.07%59.81%-328 bps
Non-Interest Burden1.80%1.87%1.89%2.04%1.94%+14 bps
Growth
Asset Growth (YoY)1.39%2.36%2.64%2.03%0.85%-54 bps
Loan Growth (YoY)5.46%6.20%6.24%8.66%3.32%-214 bps
Deposit Growth (YoY)4.51%3.59%5.60%2.81%1.05%-346 bps
Asset Quality
Nonperforming Loans / Loans0.58%0.34%0.21%0.20%0.21%-37 bps
Net Charge-Offs / Loans0.03%0.01%0.14%0.06%0.03%0 bps
Allowance / Loans1.24%1.27%1.11%1.09%1.07%-17 bps
Allowance Coverage of NPLs2.1x3.7x5.3x5.4x5.0x+2.9x
Capital
Tier 1 Leverage Ratio10.37%10.55%10.29%10.44%10.44%+7 bps
Total Risk-Based Capital14.50%14.70%14.42%14.39%14.56%+6 bps
Equity / Assets10.54%10.44%10.37%10.15%10.72%+18 bps
Liquidity & Funding
Loans / Deposits82.26%79.25%80.11%78.27%84.10%+185 bps
Liquid Assets / Assets0.88%2.62%1.84%4.95%2.42%+154 bps
CRE / Total Capitaln/an/an/an/an/an/an/a