Princeton, MO · Cert 1628
FDIC
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 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.
Princeton, MO · Cert 1628
FDIC
Q4 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 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.21% | 1.21% | 1.22% | 1.85% | 1.66% | 1.64% | 1.55% | +33 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 20.28% | 17.74% | 17.10% | 16.20% | n/a | |
| Net Interest Margin | 3.59% | 3.80% | 3.96% | 3.95% | 3.68% | 3.92% | 4.15% | 4.04% | +9 bps | |
| Efficiency Ratio | 60.59% | 56.51% | 56.16% | 54.44% | 56.62% | 55.36% | 53.71% | 54.19% | -25 bps | |
| Non-Interest Burden | 1.95% | 1.85% | 1.93% | 1.85% | 1.81% | 1.87% | 1.90% | 1.87% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.17% | 4.58% | 0.20% | -1.16% | 7.61% | 4.84% | 5.64% | 6.91% | +807 bps | |
| Loan Growth (YoY) | 5.32% | 4.44% | 3.49% | 5.69% | 2.21% | 1.65% | 4.67% | 3.91% | -179 bps | |
| Deposit Growth (YoY) | 6.80% | 6.40% | 1.72% | -2.15% | 7.18% | 4.28% | 5.09% | 6.75% | +889 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 | 0.28% | 0.13% | 0.13% | 0.11% | -1.44% | -0.09% | -0.07% | 0.04% | -7 bps | |
| Allowance / Loans | 1.66% | 1.61% | 1.65% | 1.79% | 1.81% | 1.47% | 1.42% | 1.35% | -44 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 | 13.13% | 13.58% | 13.75% | 14.17% | 14.63% | 14.38% | 14.37% | 14.30% | +13 bps | |
| Equity / Assets | 8.56% | 9.04% | 9.59% | 8.97% | 9.22% | 9.93% | 10.28% | 9.35% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.19% | 88.58% | 91.57% | 82.21% | 80.28% | 86.34% | 91.20% | 80.02% | -219 bps | |
| Liquid Assets / Assets | 0.20% | 0.06% | 0.12% | 0.15% | 0.18% | 0.20% | 0.15% | 0.37% | +22 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |