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First Bank, CBC

Maryville, MO · Cert 26974

FDIC

Q1 2001

$110.9MAssets
$61.7MLoans
$99.4MDeposits
$8.3MEquity
Loan mix
77%RE $32.3M23%C&I $9.6M0%Consumer $0.0MQ1 2000Q1 2001
Deposit mix
89%Interest-bearing $88.7M11%Noninterest $10.7MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 1.07%, down 26 bps year over year; NIM at 4.41%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.43%.
  • Funding: loans stand at 62.06% of deposits as of Q1 2001.

Financial Results

Return on Assets (YTD, annualized)

1.07%-26 bps YoY

Net Interest Margin (YTD, annualized)

4.41%

Efficiency Ratio (YTD, annualized)

64.63%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets1.33%1.29%1.37%1.29%1.07%-26 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a4.41%n/an/a
Efficiency Ration/an/an/an/a64.63%n/an/a
Non-Interest Burdenn/an/an/an/a2.66%n/an/a
Growth
Asset Growth (YoY)-9.28%-11.08%-9.40%-6.96%-4.97%+431 bps
Loan Growth (YoY)-12.27%-9.53%-7.80%-10.96%-12.34%-8 bps
Deposit Growth (YoY)-9.90%-11.92%-6.10%-1.40%1.39%+1,129 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-0.43%n/an/a
Allowance / Loansn/an/an/an/a1.88%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/a13.83%n/an/a
Equity / Assetsn/an/an/an/a7.48%n/an/a
Liquidity & Funding
Loans / Deposits71.79%77.63%72.46%68.80%62.06%-973 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%4.49%+449 bps
CRE / Total Capitaln/an/an/an/an/an/an/a