Belle, MO · Cert 18086
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.
Belle, MO · Cert 18086
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 | 0.63% | 0.65% | 0.80% | 0.86% | 1.04% | 1.06% | 1.18% | 1.23% | +37 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 13.75% | 14.00% | 15.48% | 16.01% | n/a | |
| Net Interest Margin | 3.34% | 3.39% | 3.55% | 3.59% | 3.98% | 3.99% | 4.05% | 4.05% | +45 bps | |
| Efficiency Ratio | 68.79% | 65.60% | 64.57% | 64.23% | 61.71% | 61.12% | 59.08% | 57.47% | -676 bps | |
| Non-Interest Burden | 2.16% | 2.06% | 2.13% | 2.14% | 2.25% | 2.18% | 2.10% | 2.04% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.81% | 9.16% | 4.84% | 7.32% | 6.62% | 11.45% | 13.80% | 13.26% | +594 bps | |
| Loan Growth (YoY) | 7.94% | 10.32% | 6.67% | 9.60% | 17.10% | 20.83% | 23.29% | 20.94% | +1,134 bps | |
| Deposit Growth (YoY) | 7.86% | 5.68% | 2.72% | 8.43% | 8.40% | 15.14% | 16.49% | 13.07% | +464 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 | 0.00% | 0.04% | 0.03% | 0.03% | 0.00% | 0.09% | 0.12% | 0.10% | +7 bps | |
| Allowance / Loans | 0.96% | 0.99% | 0.99% | 0.96% | 0.98% | 0.97% | 0.99% | 1.00% | +4 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 | 10.91% | 11.10% | 11.31% | 11.22% | 10.78% | 11.06% | 11.24% | 11.44% | +22 bps | |
| Equity / Assets | 7.19% | 7.49% | 7.83% | 7.78% | 7.42% | 7.54% | 7.74% | 7.85% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.57% | 88.58% | 88.87% | 88.74% | 90.28% | 92.96% | 94.05% | 94.92% | +618 bps | |
| Liquid Assets / Assets | 0.91% | 0.82% | 0.92% | 1.08% | 1.07% | 0.76% | 0.65% | 0.72% | -36 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |