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Peoples Bank of Fordland

Fordland, MO · Cert 1625

FDIC

Q1 2001

$23.2MAssets
$13.5MLoans
$20.1MDeposits
$2.9MEquity
Deposit mix
87%Interest-bearing $17.5M13%Noninterest $2.6MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 0.19%, up 9 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 1.63%.
  • Funding: loans stand at 67.05% of deposits as of Q1 2001.

Financial Results

Return on Assets (quarter, annualized)

0.19%+9 bps YoY

Net Interest Margin (quarter, annualized)

3.70%

Efficiency Ratio (quarter, annualized)

100.89%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets0.11%0.23%0.23%0.15%0.19%+9 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.70%n/an/a
Efficiency Ration/an/an/an/a100.89%n/an/a
Non-Interest Burdenn/an/an/an/a3.74%n/an/a
Growth
Asset Growth (YoY)-39.41%-42.35%-36.46%-16.68%-9.02%+3,040 bps
Loan Growth (YoY)-48.86%-49.50%-46.77%-27.18%-4.81%+4,405 bps
Deposit Growth (YoY)-37.29%-41.22%-35.14%-18.73%-10.38%+2,691 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a-1.63%n/an/a
Allowance / Loansn/an/an/an/a9.48%n/an/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/an/a21.14%n/an/a
Equity / Assetsn/an/an/an/a12.67%n/an/a
Liquidity & Funding
Loans / Deposits63.12%64.53%60.51%59.33%67.05%+393 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%17.23%+1,723 bps
CRE / Total Capitaln/an/an/an/an/an/an/a