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Hills Bank Kalona

Kalona, IA · Cert 34361

FDIC

Q3 2001

$60.6MAssets
$30.1MLoans
$52.2MDeposits
$6.6MEquity
Deposit mix
93%Interest-bearing $48.8M7%Noninterest $3.4MQ3 2000Q3 2001

NIM

6.65%Q1 ’016.38%Q2 ’016.16%Q3 ’01-5%-3%

Non-interest income vs. expense

1.58%Q1 ’011.55%Q2 ’011.50%Q3 ’01-5%-3%

Executive Summary

  • Earnings: ROA of 0.64%, down 16 bps year over year; NIM at 2.24%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.18%.
  • Funding: loans stand at 57.70% of deposits as of Q3 2001.

Financial Results

Return on Assets (YTD, annualized)

0.64%-16 bps YoY

Net Interest Margin (YTD, annualized)

2.24%

Efficiency Ratio (YTD, annualized)

57.57%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets0.80%0.80%0.69%0.66%0.64%-16 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a2.44%2.31%2.24%n/a
Efficiency Ration/an/a56.53%57.38%57.57%n/a
Non-Interest Burdenn/an/a1.23%1.16%1.13%n/a
Growth
Asset Growth (YoY)20.47%22.72%23.56%18.90%15.44%-503 bps
Loan Growth (YoY)9.56%21.40%22.32%18.12%19.13%+957 bps
Deposit Growth (YoY)21.33%23.44%23.23%19.62%14.44%-689 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.59%0.28%0.18%n/a
Allowance / Loansn/an/a0.84%0.89%0.93%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/a15.28%16.66%16.96%n/a
Equity / Assetsn/an/a11.08%11.06%10.94%n/a
Liquidity & Funding
Loans / Deposits55.43%57.96%59.60%59.05%57.70%+227 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