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 $6.0MQ4 1999Q3 2001

Executive Summary

  • Earnings: ROA of 2.11%, up 68 bps year over year; NIM at 3.19%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 85.63% of deposits as of Q3 2001.

Return on Assets (quarter, annualized)

2.11%+68 bps YoY

Net Interest Margin (quarter, annualized)

3.19%

Efficiency Ratio (quarter, annualized)

52.64%

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.48%Q1 ’017.38%Q2 ’017.42%Q3 ’01+1%+10%

Non-interest income vs. expense

1.72%Q1 ’011.72%Q2 ’011.86%Q3 ’01-2%+11%

Discrete quarter, annualized.

MetricQ4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.41%1.64%1.52%1.43%1.39%1.29%1.69%2.11%+68 bps
Return on Equityn/an/an/an/an/an/a18.70%22.78%n/a
Net Interest Marginn/an/an/an/an/a2.89%2.91%3.19%n/a
Efficiency Ration/an/an/an/an/a53.39%52.69%52.64%n/a
Non-Interest Burdenn/an/an/an/an/a1.39%1.37%1.52%n/a
Growth
Asset Growth (YoY)-1.86%1.75%2.23%2.10%7.46%3.79%4.70%-0.62%-272 bps
Loan Growth (YoY)-1.01%-1.18%-0.18%-1.20%4.00%5.24%5.11%0.89%+209 bps
Deposit Growth (YoY)-1.47%2.08%1.78%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/a0.04%-0.04%0.01%n/a
Allowance / Loansn/an/an/an/an/a0.99%1.00%1.01%n/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/a13.08%12.63%12.95%n/a
Equity / Assetsn/an/an/an/an/a9.11%8.97%9.58%n/a
Liquidity & Funding
Loans / Deposits79.94%80.41%81.74%85.23%80.80%84.89%84.97%85.63%+40 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