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Iowa State Bank

Oelwein, IA · Cert 34845

FDIC

Q2 2001

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 2001, the quarter ended June 30, 2001, 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

Iowa State Bank

Oelwein, IA · Cert 34845

FDIC

Q2 2001

$16.5MAssets
$14.2MLoans
$13.5MDeposits
$2.8MEquity
Loan mix
71%RE $6.6M29%C&I $2.7M0%Consumer $0.0MQ2 2000Q2 2001
Deposit mix
92%Interest-bearing $12.4M8%Noninterest $1.1MQ2 2000Q2 2001

NIM

7.60%Q1 ’017.68%Q2 ’01+6%

Non-interest income vs. expense

3.13%Q1 ’013.19%Q2 ’01-2%

Executive Summary

  • Earnings: ROA of -0.53%, down 66 bps year over year; NIM at 3.42%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.82%.
  • Funding: loans stand at 105.05% of deposits as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

-0.53%-66 bps YoY

Net Interest Margin (YTD, annualized)

3.42%

Efficiency Ratio (YTD, annualized)

80.31%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets0.13%0.32%0.05%0.16%-0.53%-66 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a3.22%3.42%n/a
Efficiency Ration/an/an/a85.53%80.31%n/a
Non-Interest Burdenn/an/an/a2.70%2.64%n/a
Growth
Asset Growth (YoY)72.55%50.60%55.24%14.46%7.04%-6,551 bps
Loan Growth (YoY)74.55%45.90%28.73%14.23%5.38%-6,917 bps
Deposit Growth (YoY)99.33%62.44%65.70%23.04%13.46%-8,587 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.85%1.82%n/a
Allowance / Loansn/an/an/a1.01%0.99%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/an/a21.80%21.21%n/a
Equity / Assetsn/an/an/a17.54%16.95%n/a
Liquidity & Funding
Loans / Deposits113.10%105.06%83.34%106.42%105.05%-806 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