Sainte Genevieve, MO · Cert 12469
FDIC
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 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.
Sainte Genevieve, MO · Cert 12469
FDIC
Q4 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 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.68% | 1.61% | 0.02% | 0.32% | 1.06% | 1.07% | 1.06% | 1.05% | +73 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 6.86% | 6.88% | 6.73% | 6.59% | n/a | |
| Net Interest Margin | 3.62% | 3.53% | 0.02% | 0.78% | 2.86% | 2.89% | 2.91% | 2.90% | +212 bps | |
| Efficiency Ratio | 40.75% | 41.72% | 0.00% | 48.28% | 47.84% | 47.44% | 47.64% | 47.59% | -69 bps | |
| Non-Interest Burden | 1.15% | 1.18% | 0.00% | 0.33% | 1.30% | 1.31% | 1.33% | 1.32% | +99 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.84% | 11.31% | 21.97% | 12.44% | 11.62% | 9.79% | -0.29% | 1.78% | -1,066 bps | |
| Loan Growth (YoY) | 5.54% | 6.71% | 3.76% | 0.84% | 2.02% | 4.38% | 2.60% | -0.44% | -128 bps | |
| Deposit Growth (YoY) | 8.80% | 11.92% | 15.16% | 6.42% | 5.76% | 2.81% | -0.46% | 0.30% | -612 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 | 0.01% | 0.00% | 0.00% | 0.00% | 0.05% | 0.03% | 0.02% | 0.01% | +2 bps | |
| Allowance / Loans | 1.35% | 1.31% | 1.34% | 1.38% | 1.31% | 1.24% | 1.29% | 1.37% | -1 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 | 18.74% | 18.03% | 19.42% | 22.07% | 21.82% | 21.34% | 22.54% | 23.97% | +191 bps | |
| Equity / Assets | 10.66% | 10.54% | 16.07% | 15.68% | 15.11% | 15.89% | 16.17% | 16.85% | +117 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.76% | 68.35% | 64.89% | 65.69% | 64.40% | 69.40% | 66.89% | 65.21% | -48 bps | |
| Liquid Assets / Assets | 5.66% | 4.03% | 3.42% | 3.46% | 2.49% | 2.48% | 2.32% | 2.34% | -112 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |