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Southeast Security Bank

Mediapolis, IA · Cert 34379

FDIC

Q2 2002

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: Q2 2002, the quarter ended June 30, 2002, 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

Southeast Security Bank

Mediapolis, IA · Cert 34379

FDIC

Q2 2002

$29.0MAssets
$22.8MLoans
$19.8MDeposits
$3.0MEquity
Loan mix
80%RE $11.3M20%C&I $2.7M0%Consumer $0.0MQ2 2001Q2 2002
Deposit mix
92%Interest-bearing $18.2M8%Noninterest $1.7MQ2 2001Q2 2002

NIM

8.04%Q1 ’018.09%Q2 ’017.00%Q2 ’02+4%+7%

Non-interest income vs. expense

2.44%Q1 ’012.53%Q2 ’012.71%Q2 ’02+4%+10%

Executive Summary

  • Earnings: ROA of 0.05%, down 23 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.76%.
  • Funding: loans stand at 115.04% of deposits as of Q2 2002.

Financial Results

Return on Assets (YTD, annualized)

0.05%-23 bps YoY

Net Interest Margin (YTD, annualized)

3.49%+23 bps YoY

Efficiency Ratio (YTD, annualized)

64.39%-517 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets0.28%0.40%0.06%-0.42%0.05%-23 bps
Return on Equityn/an/an/a-4.38%0.47%n/a
Net Interest Margin3.26%3.23%0.35%3.25%3.49%+23 bps
Efficiency Ratio69.56%68.71%70.73%69.78%64.39%-517 bps
Non-Interest Burden2.15%2.10%0.24%2.31%2.36%+21 bps
Growth
Asset Growth (YoY)6.46%6.15%-0.23%-5.76%-6.05%-1,251 bps
Loan Growth (YoY)8.88%2.35%-7.13%-17.56%-14.52%-2,340 bps
Deposit Growth (YoY)10.01%9.19%-1.98%-8.42%-13.63%-2,365 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.26%0.03%0.05%3.59%1.76%+151 bps
Allowance / Loans1.24%1.48%2.18%1.99%2.04%+80 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 Capital10.95%11.30%11.76%12.20%12.26%+131 bps
Equity / Assets7.53%7.52%9.52%9.80%10.32%+278 bps
Liquidity & Funding
Loans / Deposits116.24%107.00%103.27%103.63%115.04%-120 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