PackageTrendsPeer
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American Interstate Bank

Manning, IA · Cert 239

FDIC

Q1 2004

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: Q1 2004, the quarter ended March 31, 2004, 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

American Interstate Bank

Manning, IA · Cert 239

FDIC

Q1 2004

$22.4MAssets
$18.9MLoans
$14.1MDeposits
$3.7MEquity
Loan mix
83%RE $5.9M16%C&I $1.1M1%Consumer $0.1MQ1 2003Q1 2004
Deposit mix
90%Interest-bearing $12.6M10%Noninterest $1.5MQ1 2003Q1 2004

NIM

6.38%Q1 ’025.68%Q1 ’035.48%Q1 ’04+4%+8%

Non-interest income vs. expense

2.04%Q1 ’022.20%Q1 ’032.82%Q1 ’04-3%-693%

Executive Summary

  • Earnings: ROA of 8.66%, up 690 bps year over year; NIM at 4.18%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 134.24% of deposits as of Q1 2004.

Financial Results

Return on Assets (YTD, annualized)

8.66%+690 bps YoY

Net Interest Margin (YTD, annualized)

4.18%+31 bps YoY

Efficiency Ratio (YTD, annualized)

19.08%-2,710 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2003Q2 2003Q3 2003Q4 2003Q1 2004YoY ΔTrend
Earnings
Return on Assets1.76%1.67%1.62%2.98%8.66%+690 bps
Return on Equity21.02%19.83%19.00%33.23%63.64%+4,262 bps
Net Interest Margin3.87%3.98%4.02%4.25%4.18%+31 bps
Efficiency Ratio46.18%46.87%49.20%35.28%19.08%-2,710 bps
Non-Interest Burden1.31%1.47%1.61%-0.42%-7.77%-908 bps
Growth
Asset Growth (YoY)-8.59%-2.06%-4.05%-33.64%-52.00%-4,341 bps
Loan Growth (YoY)-9.50%-10.67%-19.56%-29.19%-47.13%-3,763 bps
Deposit Growth (YoY)-9.16%-2.10%-4.36%-36.91%-66.74%-5,757 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.07%0.03%-0.03%-0.01%0.02%-5 bps
Allowance / Loans1.30%1.33%1.42%1.65%2.23%+93 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 Capital12.29%12.61%13.53%15.87%21.82%+952 bps
Equity / Assets8.45%8.50%8.97%11.50%16.57%+813 bps
Liquidity & Funding
Loans / Deposits84.45%82.76%78.80%93.57%134.24%+4,979 bps
Liquid Assets / Assets5.11%5.59%5.05%6.81%8.32%+321 bps
CRE / Total Capitaln/an/an/an/an/an/an/a