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Bank Iowa

Denison, IA · Cert 17426

FDIC

Q4 2001

$43.9MAssets
$30.7MLoans
$35.2MDeposits
$3.5MEquity
Loan mix
79%RE $14.4M21%C&I $3.8M0%Consumer $0.0MQ4 2000Q4 2001
Deposit mix
91%Interest-bearing $32.0M9%Noninterest $3.1MQ4 2000Q4 2001

NIM

7.60%Q1 ’017.34%Q3 ’016.85%Q4 ’01+6%+2%

Non-interest income vs. expense

2.50%Q1 ’012.45%Q3 ’012.38%Q4 ’01-10%+0%

Executive Summary

  • Earnings: ROA of 2.14%, up 41 bps year over year; NIM at 3.82%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.07%.
  • Funding: loans stand at 87.22% of deposits as of Q4 2001.

Financial Results

Return on Assets (quarter, annualized)

2.14%+41 bps YoY

Net Interest Margin (quarter, annualized)

3.82%

Efficiency Ratio (quarter, annualized)

53.70%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets1.73%1.56%2.07%2.21%2.14%+41 bps
Return on Equityn/an/a27.77%28.55%26.89%n/a
Net Interest Marginn/a3.54%3.73%3.76%3.82%n/a
Efficiency Ration/a61.19%52.31%55.13%53.70%n/a
Non-Interest Burdenn/a1.96%1.64%1.76%1.77%n/a
Growth
Asset Growth (YoY)5.94%3.36%-0.21%-4.84%-1.87%-780 bps
Loan Growth (YoY)8.47%11.18%17.64%15.06%10.35%+188 bps
Deposit Growth (YoY)-1.34%-1.53%-9.22%-11.12%-5.99%-465 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.00%0.35%0.04%-0.07%n/a
Allowance / Loansn/a1.43%1.22%1.19%1.23%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/a12.00%11.22%11.62%12.33%n/a
Equity / Assetsn/a7.39%7.53%7.97%7.94%n/a
Liquidity & Funding
Loans / Deposits74.31%74.28%88.23%89.54%87.22%+1,291 bps
Liquid Assets / Assets0.00%4.07%0.09%3.72%3.58%+358 bps
CRE / Total Capitaln/an/an/an/an/an/an/a