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Bank of Palmyra

Palmyra, IL · Cert 17110

FDIC

Q1 2002

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2002, the quarter ended March 31, 2002, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Palmyra

Palmyra, IL · Cert 17110

FDIC

Q1 2002

$21.3MAssets
$15.9MLoans
$19.5MDeposits
$1.6MEquity
Deposit mix
92%Interest-bearing $17.9M8%Noninterest $1.6MQ1 2001Q1 2002

NIM

8.12%Q1 ’017.06%Q1 ’02-11%

Non-interest income vs. expense

2.29%Q1 ’012.06%Q1 ’02-16%

Executive Summary

  • Earnings: ROA of 0.89%, up 6 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.03%.
  • Funding: loans stand at 81.42% of deposits as of Q1 2002.

Financial Results

Return on Assets (YTD, annualized)

0.89%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.10%-39 bps YoY

Efficiency Ratio (YTD, annualized)

59.57%-130 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2001Q2 2001Q3 2001Q4 2001Q1 2002YoY ΔTrend
Earnings
Return on Assets0.84%0.79%0.78%0.59%0.89%+6 bps
Return on Equityn/an/an/an/a11.98%n/an/a
Net Interest Margin3.49%2.80%2.90%2.96%3.10%-39 bps
Efficiency Ratio60.87%60.62%58.32%63.74%59.57%-130 bps
Non-Interest Burden2.01%1.59%1.55%1.77%1.70%-32 bps
Growth
Asset Growth (YoY)14.46%33.05%31.23%30.41%19.25%+479 bps
Loan Growth (YoY)28.33%21.85%29.08%22.36%5.87%-2,246 bps
Deposit Growth (YoY)22.96%36.12%30.32%30.04%20.98%-198 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%0.15%0.19%0.19%-0.03%-5 bps
Allowance / Loans1.13%1.06%1.02%1.23%1.30%+17 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 Capital9.62%10.37%10.10%10.76%11.39%+178 bps
Equity / Assets7.06%6.61%7.36%7.29%7.64%+58 bps
Liquidity & Funding
Loans / Deposits93.04%77.04%85.64%82.88%81.42%-1,162 bps
Liquid Assets / Assets1.33%1.13%1.13%1.10%1.12%-22 bps
CRE / Total Capitaln/an/an/an/an/an/an/a