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Brenton B&T Co. Cedar Rapids

Cedar Rapids, IA · Cert 20740

FDIC

Q4 2000

$2.0BAssets
$1.0BLoans
$1.5BDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.05%, down 90 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 68.23% of deposits as of Q4 2000.

Return on Assets (YTD, annualized)

0.05%-90 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets1.01%0.97%0.95%0.95%1.07%1.07%1.11%0.05%-90 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)4.59%10.16%8.48%2.75%5.24%4.64%2.64%10.71%+796 bps
Loan Growth (YoY)3.35%8.89%11.59%13.82%11.33%6.17%1.40%-4.40%-1,822 bps
Deposit Growth (YoY)6.44%7.53%8.63%3.46%7.27%7.80%4.02%3.99%+53 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits68.15%72.96%73.78%74.22%70.73%71.86%71.92%68.23%-599 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a