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First Commercial Bank of Southeast Missouri

Chaffee, MO · Cert 15528

FDIC

Q2 2002

$48.3MAssets
$32.9MLoans
$39.3MDeposits
$4.4MEquity
Loan mix
74%RE $9.0M26%C&I $3.2M0%Consumer $0.0MQ2 2001Q2 2002
Deposit mix
85%Interest-bearing $33.4M15%Noninterest $6.0MQ2 2001Q2 2002

NIM

7.42%Q1 ’016.83%Q2 ’015.30%Q2 ’02-12%-13%

Non-interest income vs. expense

2.83%Q1 ’013.04%Q2 ’012.74%Q2 ’02+6%-21%

Executive Summary

  • Earnings: ROA of 0.62%, up 10 bps year over year; NIM at 2.70%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 83.56% of deposits as of Q2 2002.

Financial Results

Return on Assets (quarter, annualized)

0.62%+10 bps YoY

Net Interest Margin (quarter, annualized)

2.70%-42 bps YoY

Efficiency Ratio (quarter, annualized)

76.09%-310 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets0.51%0.93%-0.20%0.36%0.62%+10 bps
Return on Equity4.61%8.94%-2.08%3.88%6.89%+228 bps
Net Interest Margin3.12%2.85%2.81%2.90%2.70%-42 bps
Efficiency Ratio79.19%77.18%102.48%78.27%76.09%-310 bps
Non-Interest Burden2.32%1.96%2.91%2.09%1.84%-48 bps
Growth
Asset Growth (YoY)10.91%23.48%24.55%25.24%25.73%+1,482 bps
Loan Growth (YoY)9.91%12.81%28.62%38.42%25.19%+1,528 bps
Deposit Growth (YoY)14.76%29.74%27.98%25.84%19.29%+453 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.03%0.13%0.14%0.01%0 bps
Allowance / Loans1.00%1.00%0.99%1.00%1.08%+9 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 Capital11.27%10.29%9.24%8.53%8.77%-250 bps
Equity / Assets10.82%10.11%9.54%8.97%9.03%-179 bps
Liquidity & Funding
Loans / Deposits79.62%74.59%81.61%86.26%83.56%+394 bps
Liquid Assets / Assets0.08%0.01%0.00%0.04%0.05%-3 bps
CRE / Total Capitaln/an/an/an/an/an/an/a