Harrisonville, MO · Cert 12211
FDIC
Q1 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2002, the quarter ended March 31, 2002, 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.
Harrisonville, MO · Cert 12211
FDIC
Q1 2002
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 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 0.94% | 0.67% | 0.70% | 0.81% | 0.92% | 1.02% | 1.20% | +51 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 6.63% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 3.51% | 3.60% | 3.78% | 3.77% | 3.32% | -19 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 79.23% | 77.61% | 83.56% | 80.45% | 68.45% | -1,078 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 2.64% | 2.64% | 3.05% | 2.86% | 2.08% | -56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.39% | 14.64% | 14.27% | 6.60% | -3.93% | -12.64% | -10.73% | -11.77% | -1,836 bps | |
| Loan Growth (YoY) | 103.88% | 88.51% | 39.39% | 27.11% | 8.46% | -11.08% | -24.22% | -9.66% | -3,677 bps | |
| Deposit Growth (YoY) | 21.14% | 4.94% | 21.92% | 6.10% | -0.52% | -12.32% | -13.80% | -18.40% | -2,450 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | -0.02% | -0.01% | -0.02% | 0.15% | -0.05% | -3 bps | |
| Allowance / Loans | n/a | n/a | n/a | 2.06% | 1.92% | 1.48% | 1.61% | 1.59% | -47 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | n/a | n/a | 16.00% | 18.78% | 19.08% | 22.08% | 20.88% | +487 bps | |
| Equity / Assets | n/a | n/a | n/a | 16.51% | 17.63% | 18.06% | 17.97% | 18.30% | +180 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.40% | 66.23% | 62.64% | 53.60% | 62.58% | 67.17% | 55.07% | 59.33% | +574 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 1.13% | 1.74% | 1.79% | 1.80% | 1.89% | +76 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |