St. Joseph, MO · Charter 67954
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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 67954
Q2 2001
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.84% | 2.55% | 3.52% | 3.19% | 0.19% | -6.11% | -6.06% | -6.20% | -939 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | -131.72% | -72.84% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 4.17% | 4.65% | 5.28% | 5.14% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 86.15% | 147.69% | 140.79% | 92.86% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.22% | 5.45% | -4.74% | 34.57% | 38.98% | 23.33% | 3.46% | -26.72% | -6,129 bps | |
| Loan Growth (YoY) | -12.14% | 7.73% | 15.55% | 38.18% | 37.76% | 15.72% | 6.73% | -28.37% | -6,655 bps | |
| Share Growth (YoY) | -6.62% | 4.88% | -5.50% | 38.52% | 48.09% | 32.59% | 10.72% | -26.85% | -6,537 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.83% | 7.07% | 2.46% | 1.53% | 3.53% | 2.35% | 5.65% | 10.52% | +898 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 | 1.60% | 1.25% | 1.27% | 0.36% | 0.03% | 2.09% | 2.13% | 7.03% | +667 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 4.60% | 8.52% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 4.60% | 8.52% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.23% | 93.71% | 98.09% | 84.56% | 87.66% | 81.79% | 94.55% | 82.81% | -175 bps | |
| Liquid Assets / Assets | 11.20% | 10.14% | 4.79% | 15.20% | 0.00% | 0.00% | 5.48% | 24.17% | +897 bps | |