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Columbus Junction State Bank

Columbus Junction, IA · Cert 249

FDIC · 1 branch

Q3 2015

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: Q3 2015, the quarter ended September 30, 2015, 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

Columbus Junction State Bank

Columbus Junction, IA · Cert 249

FDIC · 1 branch

Q3 2015

$47.0MAssets
$21.3MLoans
$43.0MDeposits
$3.9MEquity
Loan mix
70%RE $9.7M22%C&I $3.0M8%Consumer $1.1MQ3 2014Q3 2015
Deposit mix
81%Interest-bearing $34.6M19%Noninterest $8.4MQ3 2014Q3 2015

NIM

3.76%Q3 ’133.87%Q3 ’143.55%Q3 ’15+5%-6%

Non-interest income vs. expense

2.71%Q3 ’133.70%Q3 ’143.91%Q3 ’15+37%+7%

Executive Summary

  • Earnings: ROA of -0.91%, down 99 bps year over year; NIM at 3.21%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.72%.
  • Capital: tier 1 leverage ratio of 7.57%.
  • Funding: loans stand at 49.50% of deposits as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

-0.91%-99 bps YoY

Net Interest Margin (YTD, annualized)

3.21%-21 bps YoY

Efficiency Ratio (YTD, annualized)

112.17%+1,238 bps YoY

Tier 1 Leverage Ratio

7.57%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.09%10.10%1-1.39%-0.74%-0.91%-99 bps
Return on Equity1.19%1.34%-18.48%-9.87%-11.91%-1,310 bps
Net Interest Margin3.42%3.26%3.00%2.95%3.21%-21 bps
Efficiency Ratio99.80%98.86%105.36%103.51%112.17%+1,238 bps
Non-Interest Burden3.41%3.22%3.17%3.07%3.63%+22 bps
Growth
Asset Growth (YoY)-9.81%0.07%-2.92%-5.91%-8.09%+172 bps
Loan Growth (YoY)-12.69%-12.53%-15.39%-14.28%-18.65%-596 bps
Deposit Growth (YoY)-4.44%-0.96%-3.57%-5.86%-8.19%-375 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.28%0.35%1.41%0.75%0.72%+44 bps
Allowance / Loans3.07%3.01%3.64%3.82%4.07%+101 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a7.16%7.17%7.57%n/a
Total Risk-Based Capital15.61%15.55%14.80%15.55%14.82%-79 bps
Equity / Assets8.13%7.50%7.55%7.29%8.22%+9 bps
Liquidity & Funding
Loans / Deposits55.86%49.96%47.93%46.96%49.50%-636 bps
Liquid Assets / Assets0.54%0.95%1.89%1.95%2.17%+163 bps
CRE / Total Capitaln/an/an/an/an/an/an/a