Glasgow, MO · Cert 1056
FDIC
Q2 2012
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Glasgow, MO · Cert 1056
FDIC
Q2 2012
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.48% | -8.48% | -0.81% | -0.39% | -2.17% | -1.63% | -16.24% | -8.57% | -817 bps | |
| Return on Equity | -11.50% | -73.15% | -14.66% | -6.77% | -37.60% | -27.84% | -409% | -256% | -24,940 bps | |
| Net Interest Margin | 2.57% | 2.59% | 2.84% | 3.36% | 3.93% | 4.36% | 2.53% | 2.86% | -50 bps | |
| Efficiency Ratio | 138.38% | 148.57% | 125.56% | 111.05% | 109.09% | 109.59% | 150.30% | 129.87% | +1,881 bps | |
| Non-Interest Burden | 3.77% | 8.88% | 3.61% | 3.75% | 4.28% | 4.77% | 3.95% | 3.80% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.49% | -11.70% | -11.33% | -18.56% | -28.23% | -26.59% | -29.10% | -22.14% | -358 bps | |
| Loan Growth (YoY) | -33.01% | -13.46% | -4.10% | -5.93% | -5.26% | -11.57% | -20.54% | -29.30% | -2,337 bps | |
| Deposit Growth (YoY) | 3.99% | -3.70% | -4.22% | -12.37% | -22.39% | -26.89% | -26.70% | -18.40% | -603 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 2.67% | 1.97% | 9.51% | 5.51% | 5.14% | 4.00% | 19.13% | 10.61% | +510 bps | |
| Allowance / Loans | 3.20% | 6.39% | 4.42% | 4.15% | 4.88% | 5.30% | 7.40% | 8.60% | +445 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 14.38% | 10.27% | 9.84% | 10.80% | 8.39% | 8.82% | 4.01% | 4.24% | -657 bps | |
| Equity / Assets | 12.80% | 5.86% | 5.21% | 6.52% | 5.62% | 6.14% | 1.90% | 1.98% | -455 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.81% | 67.14% | 57.87% | 70.52% | 77.89% | 81.20% | 62.74% | 61.10% | -942 bps | |
| Liquid Assets / Assets | 0.00% | 0.01% | 0.01% | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | -3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |