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Oakland State Bank

Oakland, IA · Cert 25604

FDIC

Q3 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: Q3 2004, the quarter ended September 30, 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

Oakland State Bank

Oakland, IA · Cert 25604

FDIC

Q3 2004

$26.0MAssets
$16.3MLoans
$22.3MDeposits
$2.9MEquity
Loan mix
38%RE $3.9M62%C&I $6.4M0%Consumer $0.0MQ3 2003Q3 2004
Deposit mix
88%Interest-bearing $19.6M12%Noninterest $2.8MQ3 2003Q3 2004

NIM

7.42%Q3 ’026.87%Q3 ’035.09%Q3 ’04-11%-23%

Non-interest income vs. expense

3.03%Q3 ’024.18%Q3 ’033.70%Q3 ’04+62%-4%

Executive Summary

  • Earnings: ROA of 1.28%, up 244 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.46%.
  • Funding: loans stand at 72.87% of deposits as of Q3 2004.

Financial Results

Return on Assets (YTD, annualized)

1.28%+244 bps YoY

Net Interest Margin (YTD, annualized)

3.20%-98 bps YoY

Efficiency Ratio (YTD, annualized)

101.73%+1,747 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets-1.16%-3.53%1.38%0.41%1.28%+244 bps
Return on Equity-15.69%-49.42%18.60%5.11%14.75%+3,043 bps
Net Interest Margin4.18%3.84%4.49%3.41%3.20%-98 bps
Efficiency Ratio84.26%93.89%72.51%88.38%101.73%+1,747 bps
Non-Interest Burden3.40%3.56%3.11%2.95%3.27%-13 bps
Growth
Asset Growth (YoY)-12.35%-22.46%-20.01%-20.31%-24.52%-1,217 bps
Loan Growth (YoY)-23.20%-37.93%-43.67%-41.67%-34.99%-1,179 bps
Deposit Growth (YoY)-11.10%-19.24%-20.18%-21.87%-27.36%-1,627 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.25%4.66%0.16%0.48%0.46%-79 bps
Allowance / Loans3.22%4.23%4.88%5.78%5.42%+220 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 Capital11.63%9.13%14.90%15.40%17.51%+588 bps
Equity / Assets7.97%5.97%8.90%9.28%10.99%+302 bps
Liquidity & Funding
Loans / Deposits81.42%76.09%67.17%67.10%72.87%-855 bps
Liquid Assets / Assets0.12%0.10%0.12%0.06%0.08%-4 bps
CRE / Total Capitaln/an/an/an/an/an/an/a