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Fort Des Moines Community Bank

Des Moines, IA · Cert 34931

FDIC

Q4 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: Q4 2004, the quarter ended December 31, 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

Fort Des Moines Community Bank

Des Moines, IA · Cert 34931

FDIC

Q4 2004

$18.9MAssets
$13.5MLoans
$16.7MDeposits
$2.1MEquity
Loan mix
78%RE $6.7M22%C&I $1.9M0%Consumer $0.0MQ4 2003Q4 2004
Deposit mix
91%Interest-bearing $15.1M9%Noninterest $1.5MQ4 2003Q4 2004

NIM

5.41%Q4 ’025.08%Q4 ’035.47%Q4 ’04+19%+22%

Non-interest income vs. expense

3.62%Q4 ’023.11%Q4 ’033.71%Q4 ’04-13%+23%

Executive Summary

  • Earnings: ROA of 0.30%, down 23 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.10%.
  • Funding: loans stand at 81.29% of deposits as of Q4 2004.

Financial Results

Return on Assets (YTD, annualized)

0.30%-23 bps YoY

Net Interest Margin (YTD, annualized)

3.79%+68 bps YoY

Efficiency Ratio (YTD, annualized)

86.92%+36 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2003Q1 2004Q2 2004Q3 2004Q4 2004YoY ΔTrend
Earnings
Return on Assets0.53%0.19%0.18%0.25%0.30%-23 bps
Return on Equity5.39%1.92%1.83%2.44%2.88%-251 bps
Net Interest Margin3.11%3.23%3.28%3.48%3.79%+68 bps
Efficiency Ratio86.57%90.40%91.02%89.00%86.92%+36 bps
Non-Interest Burden2.63%2.88%2.95%3.05%3.24%+61 bps
Growth
Asset Growth (YoY)5.96%1.11%2.41%-7.69%-10.93%-1,689 bps
Loan Growth (YoY)13.68%1.75%-0.37%11.41%9.80%-388 bps
Deposit Growth (YoY)6.28%0.63%2.38%-8.71%-12.25%-1,854 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.03%0.00%0.11%0.14%0.10%+14 bps
Allowance / Loans2.75%2.78%2.70%2.52%2.50%-25 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 Capital18.32%18.56%17.37%17.02%16.83%-150 bps
Equity / Assets9.77%10.11%9.74%10.66%11.11%+134 bps
Liquidity & Funding
Loans / Deposits64.96%66.47%66.61%76.57%81.29%+1,633 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