Bank: Midwestone Bank RSSD ID :836843

-What has caused the change in net income? What is the reason for the increase or decrease in overhead expenses? - Review the following ratios: - Yield on Total Loans - Personnel Expenses as a Percent of Average Assets - Has the yield on total loans and leases increased or decreased during this period? At the same time what happened to the interest income as a percent of average assets (Summary Page)? -What are the reasons for the rise or drop in Non-Interest Expense