PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Community Bank

Preston, IA · Cert 241

FDIC

Q3 2001

$95.8MAssets
$71.4MLoans
$83.4MDeposits
$9.2MEquity
Deposit mix
93%Interest-bearing $77.4M7%Noninterest $6.0MQ3 2000Q3 2001

NIM

7.48%Q1 ’017.39%Q2 ’017.46%Q3 ’010%+4%

Non-interest income vs. expense

1.72%Q1 ’011.71%Q2 ’011.77%Q3 ’01-1%+4%

Executive Summary

  • Earnings: ROA of 1.70%, up 27 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 85.63% of deposits as of Q3 2001.

Financial Results

Return on Assets (YTD, annualized)

1.70%+27 bps YoY

Net Interest Margin (YTD, annualized)

3.01%

Efficiency Ratio (YTD, annualized)

52.90%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.43%1.39%1.29%1.49%1.70%+27 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a2.89%2.88%3.01%n/a
Efficiency Ration/an/a53.39%53.04%52.90%n/a
Non-Interest Burdenn/an/a1.39%1.37%1.43%n/a
Growth
Asset Growth (YoY)2.10%7.46%3.79%4.70%-0.62%-272 bps
Loan Growth (YoY)-1.20%4.00%5.24%5.11%0.89%+209 bps
Deposit Growth (YoY)2.67%2.91%-0.32%1.12%0.43%-225 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.04%0.00%0.00%n/a
Allowance / Loansn/an/a0.99%1.00%1.01%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/an/a13.08%12.63%12.95%n/a
Equity / Assetsn/an/a9.11%8.97%9.58%n/a
Liquidity & Funding
Loans / Deposits85.23%80.80%84.89%84.97%85.63%+40 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a