Northwoods, MO · Cert 1063
FDIC
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Northwoods, MO · Cert 1063
FDIC
Q1 2003
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.05% | 0.32% | 0.37% | 0.51% | 0.32% | +28 bps | |
| Return on Equity | 0.54% | 3.67% | 4.27% | 5.82% | 3.55% | +301 bps | |
| Net Interest Margin | 3.67% | 4.21% | 4.00% | 3.77% | 3.19% | -48 bps | |
| Efficiency Ratio | 86.63% | 80.67% | 82.65% | 82.23% | 97.12% | +1,049 bps | |
| Non-Interest Burden | 3.00% | 3.13% | 3.07% | 2.86% | 3.06% | +7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.85% | -3.25% | -4.71% | 0.73% | 2.99% | +384 bps | |
| Loan Growth (YoY) | -8.93% | -14.65% | -21.48% | -21.15% | -13.84% | -491 bps | |
| Deposit Growth (YoY) | 3.17% | -3.34% | -1.15% | 0.03% | 0.34% | -282 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.08% | 0.93% | 1.06% | 0.87% | -0.25% | -133 bps | |
| Allowance / Loans | 2.09% | 2.56% | 2.47% | 2.49% | 2.49% | +40 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 15.07% | 15.58% | 16.11% | 16.50% | 16.65% | +157 bps | |
| Equity / Assets | 8.61% | 9.14% | 8.95% | 9.10% | 9.14% | +53 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 59.59% | 56.48% | 50.59% | 50.84% | 51.17% | -842 bps | |
| Liquid Assets / Assets | 0.07% | 0.11% | 0.24% | 0.28% | 0.23% | +16 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |