Chaffee, MO · Cert 15528
FDIC
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 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.
Chaffee, MO · Cert 15528
FDIC
Q2 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 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.07% | 0.90% | 0.70% | 0.78% | 0.51% | 0.36% | 0.49% | -21 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 3.88% | 5.39% | n/a | |
| Net Interest Margin | n/a | n/a | 3.53% | 3.24% | 3.03% | 2.82% | 2.90% | 2.73% | -51 bps | |
| Efficiency Ratio | n/a | n/a | 67.89% | 73.44% | 74.72% | 81.95% | 78.27% | 77.17% | +373 bps | |
| Non-Interest Burden | n/a | n/a | 2.19% | 2.20% | 2.07% | 2.17% | 2.09% | 1.92% | -28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.06% | 10.96% | 15.43% | 10.91% | 23.48% | 24.55% | 25.24% | 25.73% | +1,482 bps | |
| Loan Growth (YoY) | 7.98% | 3.82% | 6.74% | 9.91% | 12.81% | 28.62% | 38.42% | 25.19% | +1,528 bps | |
| Deposit Growth (YoY) | 10.99% | 15.26% | 18.20% | 14.76% | 29.74% | 27.98% | 25.84% | 19.29% | +453 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 | n/a | n/a | -0.05% | -0.02% | 0.00% | 0.03% | 0.14% | 0.08% | +9 bps | |
| Allowance / Loans | n/a | n/a | 1.03% | 1.00% | 1.00% | 0.99% | 1.00% | 1.08% | +9 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 | n/a | n/a | 12.45% | 11.27% | 10.29% | 9.24% | 8.53% | 8.77% | -250 bps | |
| Equity / Assets | n/a | n/a | 11.53% | 10.82% | 10.11% | 9.54% | 8.97% | 9.03% | -179 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.78% | 81.20% | 78.42% | 79.62% | 74.59% | 81.61% | 86.26% | 83.56% | +394 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.03% | 0.08% | 0.01% | 0.00% | 0.04% | 0.05% | -3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |