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First Trust & Savings Bank, The

Marcus, IA · Cert 15431

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

First Trust & Savings Bank, The

Marcus, IA · Cert 15431

FDIC · 3 branches

Q2 2018

$33.2MAssets
$14.5MLoans
$29.3MDeposits
$3.2MEquity
Loan mix
72%RE $5.6M7%C&I $0.5M21%Consumer $1.7MQ2 2017Q2 2018
Deposit mix
76%Interest-bearing $22.2M24%Noninterest $7.0MQ2 2017Q2 2018

NIM

2.85%Q2 ’163.00%Q2 ’173.63%Q2 ’18+5%+23%

Non-interest income vs. expense

2.95%Q2 ’163.43%Q2 ’174.29%Q2 ’18+28%+28%

Executive Summary

  • Earnings: ROA of -2.29%, down 203 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 4.00% of loans (-46 bps YoY), with net recoveries of 0.74%.
  • Capital: tier 1 leverage ratio of 9.68%, down 77 bps from a year ago.
  • Funding: loans stand at 49.53% of deposits as of Q2 2018.

Financial Results

Return on Assets (YTD, annualized)

-2.29%-203 bps YoY

Net Interest Margin (YTD, annualized)

3.50%+66 bps YoY

Efficiency Ratio (YTD, annualized)

111.26%+342 bps YoY

Tier 1 Leverage Ratio

9.68%-77 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets-0.26%-0.15%-0.18%-0.83%-2.29%-203 bps
Return on Equity-2.48%-1.40%-1.75%-7.89%-22.30%-1,983 bps
Net Interest Margin2.84%2.80%2.80%3.83%3.50%+66 bps
Efficiency Ratio107.84%102.10%105.26%99.18%111.26%+342 bps
Non-Interest Burden3.09%2.86%2.96%3.80%3.93%+85 bps
Growth
Asset Growth (YoY)2.38%0.20%3.71%-2.55%-13.87%-1,624 bps
Loan Growth (YoY)-11.44%-12.98%-11.99%-7.66%-5.02%+642 bps
Deposit Growth (YoY)2.93%2.37%4.70%-3.51%-14.86%-1,779 bps
Asset Quality
Nonperforming Loans / Loans4.46%3.19%2.74%1.52%4.00%-46 bps
Net Charge-Offs / Loans0.12%0.08%0.07%-0.38%-0.74%-86 bps
Allowance / Loans2.25%2.30%2.24%2.43%2.73%+48 bps
Allowance Coverage of NPLs0.5x0.7x0.8x1.6x0.7x+0.2x
Capital
Tier 1 Leverage Ratio10.45%10.22%10.06%10.20%9.68%-77 bps
Total Risk-Based Capital16.60%17.48%17.00%18.59%18.50%+191 bps
Equity / Assets10.12%10.52%9.70%11.39%9.73%-39 bps
Liquidity & Funding
Loans / Deposits44.39%46.41%45.48%48.00%49.53%+513 bps
Liquid Assets / Assets1.45%1.54%0.96%10.40%25.95%+2,449 bps
CRE / Total Capitaln/an/an/an/an/an/an/a