PackageTrendsPeer
Letter portraitLegal landscape

Tri County State Bank of El Dorado Springs

El Dorado Springs, MO · Cert 14487

FDIC

Q2 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2001, the quarter ended June 30, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Tri County State Bank of El Dorado Springs

El Dorado Springs, MO · Cert 14487

FDIC

Q2 2001

$95.8MAssets
$47.1MLoans
$86.2MDeposits
$8.5MEquity
Deposit mix
90%Interest-bearing $77.7M10%Noninterest $8.4MQ2 2000Q2 2001

NIM

7.33%Q1 ’017.23%Q2 ’01-1%

Non-interest income vs. expense

2.98%Q1 ’012.83%Q2 ’01-8%

Executive Summary

  • Earnings: ROA of 1.12%, down 10 bps year over year; NIM at 3.23%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.27%.
  • Funding: loans stand at 54.60% of deposits as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

1.12%-10 bps YoY

Net Interest Margin (YTD, annualized)

3.23%

Efficiency Ratio (YTD, annualized)

64.50%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets1.22%0.82%0.16%1.02%1.12%-10 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a3.26%3.23%n/a
Efficiency Ration/an/an/a67.46%64.50%n/a
Non-Interest Burdenn/an/an/a1.83%1.67%n/a
Growth
Asset Growth (YoY)-1.63%7.93%9.76%6.17%8.37%+1,000 bps
Loan Growth (YoY)1.07%5.49%-0.08%-4.24%-6.49%-756 bps
Deposit Growth (YoY)-2.21%8.43%8.76%5.05%8.29%+1,051 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.57%0.27%n/a
Allowance / Loansn/an/an/a2.45%2.44%n/a
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 Capitaln/an/an/a17.81%14.68%n/a
Equity / Assetsn/an/an/a9.74%8.89%n/a
Liquidity & Funding
Loans / Deposits63.23%59.89%57.02%54.38%54.60%-863 bps
Liquid Assets / Assets0.00%0.00%0.00%0.68%0.68%+68 bps
CRE / Total Capitaln/an/an/an/an/an/an/a