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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 3.36% | 3.93% | 4.36% | 2.53% | 2.86% | -50 bps | |
| Efficiency Ratio | 111.05% | 109.09% | 109.59% | 150.30% | 129.87% | +1,881 bps | |
| Non-Interest Burden | 3.75% | 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 5.51% | 5.14% | 4.00% | 19.13% | 10.61% | +510 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.80% | 8.39% | 8.82% | 4.01% | 4.24% | -657 bps | |
| Equity / Assets | 6.52% | 5.62% | 6.14% | 1.90% | 1.98% | -455 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.52% | 77.89% | 81.20% | 62.74% | 61.10% | -942 bps | |
| Liquid Assets / Assets | 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 |