PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Ste. Genevieve

Sainte Genevieve, MO · Cert 12469

FDIC

Q4 2002

$109.3MAssets
$57.6MLoans
$88.3MDeposits
$18.4MEquity
Deposit mix
90%Interest-bearing $79.7M10%Noninterest $8.6MQ4 2001Q4 2002

NIM

7.23%Q1 ’011.25%Q4 ’014.58%Q4 ’02-79%+272%

Non-interest income vs. expense

1.70%Q1 ’010.42%Q4 ’011.77%Q4 ’02-72%+304%

Executive Summary

  • Earnings: ROA of 1.05%, up 73 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 65.21% of deposits as of Q4 2002.

Financial Results

Return on Assets (YTD, annualized)

1.05%+73 bps YoY

Net Interest Margin (YTD, annualized)

2.90%+212 bps YoY

Efficiency Ratio (YTD, annualized)

47.59%-69 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2001Q1 2002Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets0.32%1.06%1.07%1.06%1.05%+73 bps
Return on Equityn/a6.86%6.88%6.73%6.59%n/a
Net Interest Margin0.78%2.86%2.89%2.91%2.90%+212 bps
Efficiency Ratio48.28%47.84%47.44%47.64%47.59%-69 bps
Non-Interest Burden0.33%1.30%1.31%1.33%1.32%+99 bps
Growth
Asset Growth (YoY)12.44%11.62%9.79%-0.29%1.78%-1,066 bps
Loan Growth (YoY)0.84%2.02%4.38%2.60%-0.44%-128 bps
Deposit Growth (YoY)6.42%5.76%2.81%-0.46%0.30%-612 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.05%0.03%0.02%0.01%+2 bps
Allowance / Loans1.38%1.31%1.24%1.29%1.37%-1 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 Capital22.07%21.82%21.34%22.54%23.97%+191 bps
Equity / Assets15.68%15.11%15.89%16.17%16.85%+117 bps
Liquidity & Funding
Loans / Deposits65.69%64.40%69.40%66.89%65.21%-48 bps
Liquid Assets / Assets3.46%2.49%2.48%2.32%2.34%-112 bps
CRE / Total Capitaln/an/an/an/an/an/an/a