Chaffee, MO · Cert 15528
FDIC
Q2 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.51% | 0.93% | -0.20% | 0.36% | 0.62% | +10 bps | |
| Return on Equity | n/a | n/a | n/a | 4.61% | 8.94% | -2.08% | 3.88% | 6.89% | +228 bps | |
| Net Interest Margin | n/a | n/a | 3.53% | 3.12% | 2.85% | 2.81% | 2.90% | 2.70% | -42 bps | |
| Efficiency Ratio | n/a | n/a | 67.89% | 79.19% | 77.18% | 102.48% | 78.27% | 76.09% | -310 bps | |
| Non-Interest Burden | n/a | n/a | 2.19% | 2.32% | 1.96% | 2.91% | 2.09% | 1.84% | -48 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% | 0.03% | 0.13% | 0.14% | 0.01% | 0 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 |