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Security Bk Jasper-Poweshiek

Kellogg, IA · Cert 9303

FDIC

Q2 1999

$122.1MAssets
$84.1MLoans
$106.8MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.09%, down 23 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 78.74% of deposits as of Q2 1999.

Return on Assets (YTD, annualized)

1.09%-23 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ3 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999YoY ΔTrend
Earnings
Return on Assets1.36%1.05%1.23%1.33%1.32%1.36%1.03%1.09%-23 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)7.58%9.34%5.47%3.61%2.63%5.56%4.56%4.32%+71 bps
Loan Growth (YoY)7.67%4.90%1.41%-2.06%-0.33%2.98%8.63%15.01%+1,707 bps
Deposit Growth (YoY)6.16%11.16%5.83%7.00%7.40%7.19%6.26%5.29%-171 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits79.90%75.42%73.46%72.09%74.16%72.46%75.10%78.74%+665 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a