St. Joseph, MO · Charter 63999
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 2003, 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.
St. Joseph, MO · Charter 63999
Q2 2003
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 3.63% | 0.74% | 0.09% | 0.06% | 0.12% | 0.00% | 0.00% | -9 bps | |
| Return on Equity | 5.32% | 23.47% | 4.90% | 0.60% | 0.42% | 0.78% | 0.00% | 0.00% | -60 bps | |
| Net Interest Margin | 6.34% | 7.65% | 6.50% | 5.85% | 5.66% | 5.69% | 4.02% | 4.28% | -157 bps | |
| Efficiency Ratio | 86.25% | 63.17% | 80.70% | 92.45% | 90.29% | 91.00% | 98.97% | 99.48% | +703 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.53% | 21.88% | 28.39% | 20.50% | 24.66% | 5.75% | 13.88% | 8.66% | -1,184 bps | |
| Loan Growth (YoY) | 18.37% | 24.03% | 17.21% | 2.74% | -4.35% | -17.55% | -27.69% | -26.56% | -2,930 bps | |
| Share Growth (YoY) | 8.03% | 24.53% | 31.98% | 22.34% | 27.92% | 6.13% | 16.23% | 10.89% | -1,145 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.17% | 1.06% | 4.91% | 5.13% | 4.32% | 6.11% | 4.64% | 6.74% | +161 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.15% | 1.93% | 2.06% | 2.33% | 2.78% | 3.01% | 3.10% | 2.35% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.21% | 15.47% | 15.19% | 14.65% | 14.59% | 15.15% | 13.45% | 13.21% | -144 bps | |
| Net Worth / Assets | 17.21% | 15.47% | 15.19% | 14.65% | 14.59% | 15.15% | 13.45% | 13.21% | -144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.72% | 84.76% | 84.40% | 70.56% | 67.08% | 65.85% | 52.51% | 46.73% | -2,383 bps | |
| Liquid Assets / Assets | 20.58% | 19.01% | 22.13% | 38.56% | 41.35% | 39.62% | 53.20% | 57.39% | +1,883 bps | |