PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $8.4MQ3 1999Q2 2001

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.

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
n/a

NIM

7.33%Q1 ’017.23%Q2 ’01-1%

Non-interest income vs. expense

2.98%Q1 ’012.83%Q2 ’01-8%

Year to date, annualized, through each quarter.

MetricQ3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets1.32%1.45%1.39%1.22%0.82%0.16%1.02%1.12%-10 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a3.26%3.23%n/a
Efficiency Ration/an/an/an/an/an/a67.46%64.50%n/a
Non-Interest Burdenn/an/an/an/an/an/a1.83%1.67%n/a
Growth
Asset Growth (YoY)14.79%9.79%1.00%-1.63%7.93%9.76%6.17%8.37%+1,000 bps
Loan Growth (YoY)4.22%8.37%-1.84%1.07%5.49%-0.08%-4.24%-6.49%-756 bps
Deposit Growth (YoY)16.57%11.04%1.10%-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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/a0.57%0.27%n/a
Allowance / Loansn/an/an/an/an/an/a2.45%2.44%n/a
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/an/an/an/a17.81%14.68%n/a
Equity / Assetsn/an/an/an/an/an/a9.74%8.89%n/a
Liquidity & Funding
Loans / Deposits61.55%62.07%59.65%63.23%59.89%57.02%54.38%54.60%-863 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.68%0.68%+68 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a