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Rippey Savings Bank

Rippey, IA · Cert 215

FDIC

Q1 2001

$24.7MAssets
$4.6MLoans
$21.1MDeposits
$3.4MEquity
Deposit mix
96%Interest-bearing $20.3M4%Noninterest $0.8MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 0.41%, down 12 bps year over year; NIM at 1.68%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.09%.
  • Funding: loans stand at 21.84% of deposits as of Q1 2001.

Financial Results

Return on Assets (quarter, annualized)

0.41%-12 bps YoY

Net Interest Margin (quarter, annualized)

1.68%

Efficiency Ratio (quarter, annualized)

78.45%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets0.53%-0.68%-0.28%0.23%0.41%-12 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a1.68%n/an/a
Efficiency Ration/an/an/an/a78.45%n/an/a
Non-Interest Burdenn/an/an/an/a1.28%n/an/a
Growth
Asset Growth (YoY)-2.84%-9.24%-7.53%-6.17%-2.96%-12 bps
Loan Growth (YoY)-21.77%-7.76%-13.85%-9.24%-1.96%+1,981 bps
Deposit Growth (YoY)-3.20%-10.36%-8.39%-7.36%-3.73%-53 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a-0.09%n/an/a
Allowance / Loansn/an/an/an/a3.97%n/an/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/an/an/an/a42.86%n/an/a
Equity / Assetsn/an/an/an/a13.68%n/an/a
Liquidity & Funding
Loans / Deposits21.44%23.74%23.03%23.10%21.84%+40 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%41.10%+4,110 bps
CRE / Total Capitaln/an/an/an/an/an/an/a