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Normandy Bank

Northwoods, MO · Cert 1063

FDIC

Q1 2003

$70.3MAssets
$30.0MLoans
$58.6MDeposits
$6.4MEquity
Loan mix
72%RE $12.8M28%C&I $5.0M1%Consumer $0.2MQ1 2002Q1 2003
Deposit mix
79%Interest-bearing $46.3M21%Noninterest $12.3MQ1 2002Q1 2003

NIM

7.15%Q1 ’015.48%Q1 ’024.47%Q1 ’03-2%-13%

Non-interest income vs. expense

3.95%Q1 ’014.37%Q1 ’024.26%Q1 ’03+0%+2%

Executive Summary

  • Earnings: ROA of 0.32%, up 28 bps year over year; NIM at 3.19%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.25%.
  • Funding: loans stand at 51.17% of deposits as of Q1 2003.

Financial Results

Return on Assets (quarter, annualized)

0.32%+28 bps YoY

Net Interest Margin (quarter, annualized)

3.19%-48 bps YoY

Efficiency Ratio (quarter, annualized)

97.12%+1,049 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2002Q2 2002Q3 2002Q4 2002Q1 2003YoY ΔTrend
Earnings
Return on Assets0.05%0.60%0.49%0.92%0.32%+28 bps
Return on Equity0.54%6.74%5.40%10.21%3.55%+301 bps
Net Interest Margin3.67%4.70%3.62%3.27%3.19%-48 bps
Efficiency Ratio86.63%75.70%87.15%80.78%97.12%+1,049 bps
Non-Interest Burden3.00%3.22%2.99%2.39%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 / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.08%0.69%1.18%0.27%-0.25%-133 bps
Allowance / Loans2.09%2.56%2.47%2.49%2.49%+40 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital15.07%15.58%16.11%16.50%16.65%+157 bps
Equity / Assets8.61%9.14%8.95%9.10%9.14%+53 bps
Liquidity & Funding
Loans / Deposits59.59%56.48%50.59%50.84%51.17%-842 bps
Liquid Assets / Assets0.07%0.11%0.24%0.28%0.23%+16 bps
CRE / Total Capitaln/an/an/an/an/an/an/a