Scott City, MO · Cert 10620
FDIC
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 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.
Scott City, MO · Cert 10620
FDIC
Q3 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 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 0.94% | 0.63% | 0.77% | 0.80% | 0.87% | 0.98% | 1.03% | +26 bps | |
| Return on Equity | 8.98% | 10.67% | 7.11% | 8.85% | 9.16% | 10.38% | 11.67% | 12.26% | +341 bps | |
| Net Interest Margin | 3.64% | 3.56% | 3.57% | 3.48% | 3.36% | 3.27% | 3.22% | 3.30% | -18 bps | |
| Efficiency Ratio | 75.61% | 75.70% | 82.79% | 79.60% | 79.39% | 73.62% | 75.72% | 73.59% | -601 bps | |
| Non-Interest Burden | 2.56% | 2.52% | 2.89% | 2.66% | 2.55% | 2.24% | 2.27% | 2.24% | -42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.87% | -2.61% | 0.87% | 8.19% | 11.57% | 12.14% | 8.05% | 3.00% | -519 bps | |
| Loan Growth (YoY) | -9.56% | -7.81% | -4.78% | -2.75% | 1.16% | 2.14% | 3.70% | 3.28% | +603 bps | |
| Deposit Growth (YoY) | -4.42% | -1.77% | 2.02% | 10.20% | 12.28% | 12.87% | 8.32% | 3.06% | -714 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 | 0.79% | 0.30% | 0.15% | 0.11% | 0.09% | 0.12% | 0.04% | -0.01% | -12 bps | |
| Allowance / Loans | 0.92% | 0.92% | 0.92% | 0.92% | 0.90% | 0.95% | 0.95% | 1.01% | +10 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 | 15.45% | 16.07% | 16.57% | 16.25% | 16.06% | 16.11% | 16.04% | 16.08% | -16 bps | |
| Equity / Assets | 8.92% | 8.70% | 8.78% | 8.56% | 8.51% | 8.27% | 8.39% | 8.55% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.53% | 67.03% | 66.36% | 64.41% | 64.45% | 60.66% | 63.53% | 64.54% | +13 bps | |
| Liquid Assets / Assets | 3.06% | 6.68% | 12.53% | 8.95% | 6.66% | 10.66% | 11.94% | 9.16% | +21 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |