PackageTrendsPeer
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State Bank of Lawler

New Hampton, IA · Cert 15736

FDIC

Q4 2010

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: Q4 2010, the quarter ended December 31, 2010, 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

State Bank of Lawler

New Hampton, IA · Cert 15736

FDIC

Q4 2010

$206.1MAssets
$130.0MLoans
$188.0MDeposits
$16.4MEquity
Loan mix
67%RE $48.1M33%C&I $23.5M0%Consumer $0.3MQ4 2009Q4 2010
Deposit mix
89%Interest-bearing $166.8M11%Noninterest $21.2MQ4 2009Q4 2010

NIM

5.68%Q4 ’084.80%Q4 ’094.70%Q4 ’10-9%+15%

Non-interest income vs. expense

1.61%Q4 ’081.76%Q4 ’091.77%Q4 ’10+13%+3%

Executive Summary

  • Earnings: ROA of 1.09%, up 123 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.32%.
  • Funding: loans stand at 69.14% of deposits as of Q4 2010.

Financial Results

Return on Assets (YTD, annualized)

1.09%+123 bps YoY

Net Interest Margin (YTD, annualized)

3.16%+40 bps YoY

Efficiency Ratio (YTD, annualized)

51.53%-584 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q2 2010Q3 2010Q4 2010YoY ΔTrend
Earnings
Return on Assets-0.13%1.13%1.22%1.21%1.09%+123 bps
Return on Equity-1.76%14.56%15.41%15.05%13.58%+1,534 bps
Net Interest Margin2.75%3.03%3.06%3.13%3.16%+40 bps
Efficiency Ratio57.37%51.18%50.72%51.24%51.53%-584 bps
Non-Interest Burden1.45%1.40%1.39%1.47%1.49%+5 bps
Growth
Asset Growth (YoY)1.61%1.61%2.31%1.78%2.28%+67 bps
Loan Growth (YoY)-2.08%-0.60%-1.06%-1.98%-1.18%+90 bps
Deposit Growth (YoY)1.32%1.43%1.73%0.88%1.70%+37 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.28%0.15%0.17%0.24%0.32%-196 bps
Allowance / Loans1.20%1.23%1.33%1.33%1.33%+13 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 Capital11.10%11.72%12.41%12.60%12.52%+142 bps
Equity / Assets7.56%7.94%8.21%8.59%7.96%+41 bps
Liquidity & Funding
Loans / Deposits71.15%74.35%72.84%72.83%69.14%-201 bps
Liquid Assets / Assets6.76%6.32%6.35%6.78%5.96%-80 bps
CRE / Total Capitaln/an/an/an/an/an/an/a