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Lafayette County Bank of Lexington/Wellington

Lexington, MO · Cert 9390

FDIC

Q1 2001

$52.7MAssets
$18.2MLoans
$43.5MDeposits
$4.6MEquity
Deposit mix
89%Interest-bearing $38.7M11%Noninterest $4.8MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 0.57%, down 7 bps year over year; NIM at 2.65%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.48%.
  • Funding: loans stand at 41.86% of deposits as of Q1 2001.

Financial Results

Return on Assets (quarter, annualized)

0.57%-7 bps YoY

Net Interest Margin (quarter, annualized)

2.65%

Efficiency Ratio (quarter, annualized)

70.56%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets0.64%0.73%0.77%0.76%0.57%-7 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a2.65%n/an/a
Efficiency Ration/an/an/an/a70.56%n/an/a
Non-Interest Burdenn/an/an/an/a1.71%n/an/a
Growth
Asset Growth (YoY)1.63%-1.91%1.46%6.30%14.12%+1,249 bps
Loan Growth (YoY)-10.56%-4.41%6.24%9.30%17.00%+2,756 bps
Deposit Growth (YoY)1.38%-2.17%0.70%6.02%6.27%+489 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.48%n/an/a
Allowance / Loansn/an/an/an/a1.86%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/a16.89%n/an/a
Equity / Assetsn/an/an/an/a8.75%n/an/a
Liquidity & Funding
Loans / Deposits38.02%43.31%44.12%42.73%41.86%+384 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%33.11%+3,311 bps
CRE / Total Capitaln/an/an/an/an/an/an/a