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Winterset State Bank

Harrisonville, MO · Cert 12211

FDIC

Q1 2002

$32.5MAssets
$14.7MLoans
$24.8MDeposits
$5.9MEquity
Deposit mix
81%Interest-bearing $20.1M19%Noninterest $4.7MQ1 2001Q1 2002

NIM

6.80%Q1 ’014.94%Q1 ’02-5%

Non-interest income vs. expense

3.31%Q1 ’012.69%Q1 ’02-21%

Executive Summary

  • Earnings: ROA of 1.20%, up 51 bps year over year; NIM at 3.32%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.05%.
  • Funding: loans stand at 59.33% of deposits as of Q1 2002.

Financial Results

Return on Assets (quarter, annualized)

1.20%+51 bps YoY

Net Interest Margin (quarter, annualized)

3.32%-19 bps YoY

Efficiency Ratio (quarter, annualized)

68.45%-1,078 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2001Q2 2001Q3 2001Q4 2001Q1 2002YoY ΔTrend
Earnings
Return on Assets0.70%0.92%1.16%1.38%1.20%+51 bps
Return on Equityn/a5.41%6.48%7.68%6.63%n/a
Net Interest Margin3.51%3.59%3.91%3.63%3.32%-19 bps
Efficiency Ratio79.23%75.97%95.04%71.93%68.45%-1,078 bps
Non-Interest Burden2.64%2.57%3.68%2.23%2.08%-56 bps
Growth
Asset Growth (YoY)6.60%-3.93%-12.64%-10.73%-11.77%-1,836 bps
Loan Growth (YoY)27.11%8.46%-11.08%-24.22%-9.66%-3,677 bps
Deposit Growth (YoY)6.10%-0.52%-12.32%-13.80%-18.40%-2,450 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.02%0.00%-0.02%0.64%-0.05%-3 bps
Allowance / Loans2.06%1.92%1.48%1.61%1.59%-47 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 Capital16.00%18.78%19.08%22.08%20.88%+487 bps
Equity / Assets16.51%17.63%18.06%17.97%18.30%+180 bps
Liquidity & Funding
Loans / Deposits53.60%62.58%67.17%55.07%59.33%+574 bps
Liquid Assets / Assets1.13%1.74%1.79%1.80%1.89%+76 bps
CRE / Total Capitaln/an/an/an/an/an/an/a