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Belle State Bank

Belle, MO · Cert 18086

FDIC

Q4 2002

$63.5MAssets
$49.7MLoans
$52.3MDeposits
$5.0MEquity
Deposit mix
90%Interest-bearing $47.1M10%Noninterest $5.2MQ4 2001Q4 2002

NIM

7.84%Q1 ’017.38%Q4 ’016.71%Q4 ’02+16%+12%

Non-interest income vs. expense

2.60%Q1 ’012.75%Q4 ’012.60%Q4 ’02+5%-11%

Executive Summary

  • Earnings: ROA of 1.37%, up 31 bps year over year; NIM at 4.33%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Funding: loans stand at 94.92% of deposits as of Q4 2002.

Financial Results

Return on Assets (quarter, annualized)

1.37%+31 bps YoY

Net Interest Margin (quarter, annualized)

4.33%+47 bps YoY

Efficiency Ratio (quarter, annualized)

52.90%-1,037 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2001Q1 2002Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets1.06%1.04%1.07%1.40%1.37%+31 bps
Return on Equity13.58%13.75%14.35%18.36%17.54%+397 bps
Net Interest Margin3.86%3.98%4.16%4.42%4.33%+47 bps
Efficiency Ratio63.27%61.71%60.60%55.64%52.90%-1,037 bps
Non-Interest Burden2.26%2.25%2.21%2.07%2.01%-25 bps
Growth
Asset Growth (YoY)7.32%6.62%11.45%13.80%13.26%+594 bps
Loan Growth (YoY)9.60%17.10%20.83%23.29%20.94%+1,134 bps
Deposit Growth (YoY)8.43%8.40%15.14%16.49%13.07%+464 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%0.00%0.19%0.17%0.04%+1 bps
Allowance / Loans0.96%0.98%0.97%0.99%1.00%+4 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 Capital11.22%10.78%11.06%11.24%11.44%+22 bps
Equity / Assets7.78%7.42%7.54%7.74%7.85%+8 bps
Liquidity & Funding
Loans / Deposits88.74%90.28%92.96%94.05%94.92%+618 bps
Liquid Assets / Assets1.08%1.07%0.76%0.65%0.72%-36 bps
CRE / Total Capitaln/an/an/an/an/an/an/a