PackageTrendsPeer
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Henry County Bank

Mount Pleasant, IA · Cert 35373

FDIC

Q3 2007

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 2007, the quarter ended September 30, 2007, 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

Henry County Bank

Mount Pleasant, IA · Cert 35373

FDIC

Q3 2007

$57.2MAssets
$31.8MLoans
$48.3MDeposits
$8.0MEquity
Loan mix
58%RE $12.2M42%C&I $8.9M0%Consumer $0.0MQ3 2006Q3 2007
Deposit mix
86%Interest-bearing $41.7M14%Noninterest $6.6MQ3 2006Q3 2007

NIM

4.76%Q3 ’055.09%Q3 ’065.36%Q3 ’07+0%+2%

Non-interest income vs. expense

2.74%Q3 ’052.75%Q3 ’062.59%Q3 ’07+4%-5%

Executive Summary

  • Earnings: ROA of 0.72%, up 13 bps year over year; NIM at 3.24%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.12%.
  • Funding: loans stand at 65.77% of deposits as of Q3 2007.

Financial Results

Return on Assets (YTD, annualized)

0.72%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.24%+7 bps YoY

Efficiency Ratio (YTD, annualized)

69.97%-496 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets0.59%0.63%0.67%0.70%0.72%+13 bps
Return on Equity4.53%4.75%4.85%5.07%5.20%+67 bps
Net Interest Margin3.17%3.14%3.13%3.21%3.24%+7 bps
Efficiency Ratio74.94%73.51%70.94%70.67%69.97%-496 bps
Non-Interest Burden2.25%2.18%2.09%2.13%2.12%-12 bps
Growth
Asset Growth (YoY)-2.25%-4.31%-2.74%-2.52%1.12%+336 bps
Loan Growth (YoY)3.25%-0.17%4.28%-4.73%-2.61%-586 bps
Deposit Growth (YoY)-0.35%-0.52%-0.05%1.07%4.25%+461 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.04%-0.03%0.00%0.16%0.12%+17 bps
Allowance / Loans1.30%1.30%1.29%1.28%1.29%-1 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 Capital10.58%10.97%10.52%11.11%11.37%+79 bps
Equity / Assets13.55%13.96%13.58%13.89%13.93%+38 bps
Liquidity & Funding
Loans / Deposits70.40%69.31%68.45%67.05%65.77%-463 bps
Liquid Assets / Assets20.36%20.64%20.20%16.87%14.79%-556 bps
CRE / Total Capitaln/an/an/an/an/an/an/a