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 again 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 again the three-year period ending 12/31/20. Use the data to explain the 8 financial measurements.

Also assign a letter grade (A-F) to your bank foreachmeasurement key.Don't stop with the numbers, but rather, analyze whatgeneratedthe numbers. Drill down, correlate, relate to risk management.Lastly, What aretwospecificstrategies 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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