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Pleasantville State Bank

Pleasantville, IA · Cert 1861

FDIC · 2 branches

Q3 2014

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 2014, the quarter ended September 30, 2014, 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

Pleasantville State Bank

Pleasantville, IA · Cert 1861

FDIC · 2 branches

Q3 2014

$38.7MAssets
$11.3MLoans
$33.7MDeposits
$4.5MEquity
Loan mix
65%RE $6.6M19%C&I $1.9M16%Consumer $1.6MQ3 2013Q3 2014
Deposit mix
81%Interest-bearing $27.4M19%Noninterest $6.3MQ3 2013Q3 2014

NIM

3.26%Q3 ’122.95%Q3 ’132.58%Q3 ’14-7%-11%

Non-interest income vs. expense

1.65%Q3 ’121.65%Q3 ’134.38%Q3 ’14+3%+198%

Executive Summary

  • Earnings: ROA of -0.92%, down 180 bps year over year; NIM at 2.23%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.22%.
  • Funding: loans stand at 33.52% of deposits as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

-0.92%-180 bps YoY

Net Interest Margin (YTD, annualized)

2.23%-28 bps YoY

Efficiency Ratio (YTD, annualized)

168.67%+11,000 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets0.88%0.83%0.46%0.50%-0.92%-180 bps
Return on Equity6.11%5.75%3.50%3.91%-7.44%-1,354 bps
Net Interest Margin2.51%2.52%1.78%2.11%2.23%-28 bps
Efficiency Ratio58.67%60.61%67.15%70.85%168.67%+11,000 bps
Non-Interest Burden1.35%1.40%1.09%1.39%4.02%+267 bps
Growth
Asset Growth (YoY)-0.72%-0.25%-1.42%-0.44%-2.73%-201 bps
Loan Growth (YoY)-1.31%-0.38%4.75%3.81%1.97%+328 bps
Deposit Growth (YoY)-0.40%-0.20%1.60%2.09%-0.46%-6 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.13%0.28%0.00%-0.34%-0.22%-36 bps
Allowance / Loans2.01%1.69%1.85%2.21%1.96%-5 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 Capital34.05%32.14%27.33%30.10%27.10%-694 bps
Equity / Assets14.70%14.31%11.72%12.05%11.57%-313 bps
Liquidity & Funding
Loans / Deposits32.72%34.95%32.38%30.82%33.52%+80 bps
Liquid Assets / Assets14.19%13.58%13.35%18.91%13.16%-103 bps
CRE / Total Capitaln/an/an/an/an/an/an/a