Question: Research Iowa State Savings Bank Creston Iowa using https://cdr.ffiec.gov/public/ManageFacsimiles.aspx (the UBPR report) to answer the 8 financial measurement keys below. You are using the three-year

Research Iowa State Savings Bank Creston Iowa using https://cdr.ffiec.gov/public/ManageFacsimiles.aspx (the UBPR report) to answer the 8 financial measurement keys below. You are using the three-year period ending 12/31/20. (Use the UBPR report to answer the 8 financial measurement keys -- give details with data and explanation.) Also assign a letter grade (A-F) to your bank foreachmeasurement key. Lastly, offer two specific strategies for your bank to employ in order to look more like a "high performer".

Overall profitability including earningsROA or ROE

2.Loan quality trends, reserve adequacy and loss provisions

3.Margin trends including loan pricing, deposit pricing, borrowing costs, and securities portfolio yield

4.Loan growth and diversification

5.Deposit growth and funding mix

6.Capital creation, utilization and dividends

7.Overhead productivity and operating efficiency

8.Non-margin revenues and mix

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