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Champion Bank

Saint Louis, MO · Cert 58362

FDIC

Q1 2010

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 2010, the quarter ended March 31, 2010, 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

Champion Bank

Saint Louis, MO · Cert 58362

FDIC

Q1 2010

$195.5MAssets
$137.8MLoans
$162.8MDeposits
$3.5MEquity
Loan mix
95%RE $111.5M5%C&I $5.5M0%Consumer $0.0MQ1 2009Q1 2010
Deposit mix
97%Interest-bearing $158.3M3%Noninterest $4.5MQ1 2009Q1 2010

NIM

6.59%Q1 ’084.95%Q1 ’094.03%Q1 ’10-36%-8%

Non-interest income vs. expense

3.03%Q1 ’082.77%Q1 ’093.31%Q1 ’10-9%+8%

Executive Summary

  • Earnings: ROA of -1.60%, up 121 bps year over year; NIM at 1.60%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.10%.
  • Funding: loans stand at 84.65% of deposits as of Q1 2010.

Financial Results

Return on Assets (YTD, annualized)

-1.60%+121 bps YoY

Net Interest Margin (YTD, annualized)

1.60%-14 bps YoY

Efficiency Ratio (YTD, annualized)

148.48%+1,191 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2009Q2 2009Q3 2009Q4 2009Q1 2010YoY ΔTrend
Earnings
Return on Assets-2.81%-6.09%-5.41%-8.40%-1.60%+121 bps
Return on Equity-33.83%-79.15%-73.30%-129.27%-76.84%-4,301 bps
Net Interest Margin1.74%1.77%1.81%1.74%1.60%-14 bps
Efficiency Ratio136.57%157.30%178.50%194.05%148.48%+1,191 bps
Non-Interest Burden2.48%2.94%3.34%3.47%2.68%+20 bps
Growth
Asset Growth (YoY)1.07%-15.78%-16.09%-18.52%-13.98%-1,506 bps
Loan Growth (YoY)-11.26%-25.07%-24.06%-25.70%-23.81%-1,256 bps
Deposit Growth (YoY)6.36%-15.33%-14.99%-15.05%-9.29%-1,565 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.52%5.40%3.44%8.31%-0.10%-362 bps
Allowance / Loans2.51%3.80%4.88%5.28%5.82%+332 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 Capital10.88%8.63%8.40%3.94%3.57%-731 bps
Equity / Assets8.17%6.39%6.33%2.40%1.77%-639 bps
Liquidity & Funding
Loans / Deposits100.79%97.92%95.34%92.50%84.65%-1,614 bps
Liquid Assets / Assets2.69%2.46%8.76%6.80%16.75%+1,407 bps
CRE / Total Capitaln/an/an/an/an/an/an/a