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Glasgow Savings Bank

Glasgow, MO · Cert 1056

FDIC

Q2 2012

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: Q2 2012, the quarter ended June 30, 2012, 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

Glasgow Savings Bank

Glasgow, MO · Cert 1056

FDIC

Q2 2012

$22.3MAssets
$13.3MLoans
$21.8MDeposits
$442KEquity
Loan mix
76%RE $6.3M13%C&I $1.1M11%Consumer $0.9MQ2 2011Q2 2012
Deposit mix
78%Interest-bearing $17.0M22%Noninterest $4.8MQ2 2011Q2 2012

NIM

3.57%Q2 ’104.21%Q2 ’113.22%Q2 ’12+37%-15%

Non-interest income vs. expense

3.11%Q2 ’103.98%Q2 ’114.11%Q2 ’12+10%+1%

Executive Summary

  • Earnings: ROA of -8.57%, down 817 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 10.61%.
  • Funding: loans stand at 61.10% of deposits as of Q2 2012.

Financial Results

Return on Assets (YTD, annualized)

-8.57%-817 bps YoY

Net Interest Margin (YTD, annualized)

2.86%-50 bps YoY

Efficiency Ratio (YTD, annualized)

129.87%+1,881 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets-0.39%-2.17%-1.63%-16.24%-8.57%-817 bps
Return on Equity-6.77%-37.60%-27.84%-409%-256%-24,940 bps
Net Interest Margin3.36%3.93%4.36%2.53%2.86%-50 bps
Efficiency Ratio111.05%109.09%109.59%150.30%129.87%+1,881 bps
Non-Interest Burden3.75%4.28%4.77%3.95%3.80%+5 bps
Growth
Asset Growth (YoY)-18.56%-28.23%-26.59%-29.10%-22.14%-358 bps
Loan Growth (YoY)-5.93%-5.26%-11.57%-20.54%-29.30%-2,337 bps
Deposit Growth (YoY)-12.37%-22.39%-26.89%-26.70%-18.40%-603 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans5.51%5.14%4.00%19.13%10.61%+510 bps
Allowance / Loans4.15%4.88%5.30%7.40%8.60%+445 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 Capital10.80%8.39%8.82%4.01%4.24%-657 bps
Equity / Assets6.52%5.62%6.14%1.90%1.98%-455 bps
Liquidity & Funding
Loans / Deposits70.52%77.89%81.20%62.74%61.10%-942 bps
Liquid Assets / Assets0.03%0.00%0.00%0.00%0.00%-3 bps
CRE / Total Capitaln/an/an/an/an/an/an/a