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Prairie State Bank

Brunsville, IA · Cert 17347

FDIC · 3 branches

Q3 2021

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 2021, the quarter ended September 30, 2021, 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

Prairie State Bank

Brunsville, IA · Cert 17347

FDIC · 3 branches

Q3 2021

$71.1MAssets
$21.7MLoans
$65.5MDeposits
$5.1MEquity
Loan mix
62%RE $11.0M31%C&I $5.4M7%Consumer $1.3MQ3 2020Q3 2021
Deposit mix
80%Interest-bearing $52.3M20%Noninterest $13.2MQ3 2020Q3 2021

NIM

4.06%Q3 ’193.18%Q3 ’202.99%Q3 ’21-24%+2%

Non-interest income vs. expense

3.33%Q3 ’192.86%Q3 ’202.69%Q3 ’21+29%-38%

Executive Summary

  • Earnings: ROA of 0.14%, up 160 bps year over year; NIM at 2.54%.
  • Asset quality: problem loans at 0.71% of loans (-63 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 7.32%, up 162 bps from a year ago.
  • Funding: loans stand at 33.19% of deposits as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

0.14%+160 bps YoY

Net Interest Margin (YTD, annualized)

2.54%+4 bps YoY

Efficiency Ratio (YTD, annualized)

95.28%-9,579 bps YoY

Tier 1 Leverage Ratio

7.32%+162 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets-1.47%-0.95%0.40%0.40%0.14%+160 bps
Return on Equity-19.98%-13.14%6.03%5.76%1.96%+2,194 bps
Net Interest Margin2.50%2.41%2.57%2.61%2.54%+4 bps
Efficiency Ratio191.07%151.30%86.05%86.57%95.28%-9,579 bps
Non-Interest Burden3.87%3.34%2.18%2.22%2.41%-145 bps
Growth
Asset Growth (YoY)14.66%14.83%13.29%-3.83%3.01%-1,165 bps
Loan Growth (YoY)-0.52%-3.87%-12.85%-16.96%-20.80%-2,028 bps
Deposit Growth (YoY)16.98%16.58%14.56%-3.52%2.84%-1,415 bps
Asset Quality
Nonperforming Loans / Loans1.34%1.15%1.14%0.67%0.71%-63 bps
Net Charge-Offs / Loans0.63%0.47%0.00%-0.01%-0.01%-63 bps
Allowance / Loans1.96%1.92%2.18%2.33%2.47%+51 bps
Allowance Coverage of NPLs1.5x1.7x1.9x3.5x3.5x+2.0x
Capital
Tier 1 Leverage Ratio5.70%5.76%6.91%7.00%7.32%+162 bps
Total Risk-Based Capital12.10%11.73%16.62%17.80%17.83%+573 bps
Equity / Assets6.68%6.64%6.66%7.43%7.22%+54 bps
Liquidity & Funding
Loans / Deposits43.09%42.48%36.58%36.29%33.19%-991 bps
Liquid Assets / Assets5.25%3.51%9.23%8.48%8.47%+322 bps
CRE / Total Capitaln/an/an/an/an/an/an/a