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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 $4.7MQ2 2000Q1 2002

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.

Return on Assets (YTD, annualized)

1.20%+51 bps YoY

Net Interest Margin (YTD, annualized)

3.32%-19 bps YoY

Efficiency Ratio (YTD, annualized)

68.45%-1,078 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

6.80%Q1 ’014.94%Q1 ’02-5%

Non-interest income vs. expense

3.31%Q1 ’012.69%Q1 ’02-21%

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001Q4 2001Q1 2002YoY ΔTrend
Earnings
Return on Assets1.07%0.94%0.67%0.70%0.81%0.92%1.02%1.20%+51 bps
Return on Equityn/an/an/an/an/an/an/a6.63%n/an/a
Net Interest Marginn/an/an/a3.51%3.60%3.78%3.77%3.32%-19 bps
Efficiency Ration/an/an/a79.23%77.61%83.56%80.45%68.45%-1,078 bps
Non-Interest Burdenn/an/an/a2.64%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 / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a-0.02%-0.01%-0.02%0.15%-0.05%-3 bps
Allowance / Loansn/an/an/a2.06%1.92%1.48%1.61%1.59%-47 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/a16.00%18.78%19.08%22.08%20.88%+487 bps
Equity / Assetsn/an/an/a16.51%17.63%18.06%17.97%18.30%+180 bps
Liquidity & Funding
Loans / Deposits57.40%66.23%62.64%53.60%62.58%67.17%55.07%59.33%+574 bps
Liquid Assets / Assets0.00%0.00%0.00%1.13%1.74%1.79%1.80%1.89%+76 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a