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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 ’014.86%Q4 ’014.39%Q4 ’02-16%-8%

Non-interest income vs. expense

1.70%Q1 ’011.69%Q4 ’011.72%Q4 ’02+13%-3%

Executive Summary

  • Earnings: ROA of 1.02%, down 14 bps year over year; NIM at 2.79%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 65.21% of deposits as of Q4 2002.

Financial Results

Return on Assets (quarter, annualized)

1.02%-14 bps YoY

Net Interest Margin (quarter, annualized)

2.79%-25 bps YoY

Efficiency Ratio (quarter, annualized)

47.44%-182 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2001Q1 2002Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets1.16%1.06%1.07%1.03%1.02%-14 bps
Return on Equity7.30%6.86%6.92%6.44%6.16%-114 bps
Net Interest Margin3.05%2.86%2.96%2.88%2.79%-25 bps
Efficiency Ratio49.26%47.84%47.05%48.06%47.44%-182 bps
Non-Interest Burden1.30%1.30%1.35%1.32%1.26%-4 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 / Loans-0.01%0.05%0.03%-0.01%-0.01%-1 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