Rushville, MO · Cert 11006
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 | -0.84% | -0.41% | -1.44% | -0.47% | -0.14% | 0.10% | 0.05% | 0.31% | +78 bps | |
| Return on Equity | -10.11% | -4.93% | -18.99% | -6.10% | -1.79% | 1.24% | 0.69% | 3.96% | +1,006 bps | |
| Net Interest Margin | 2.78% | 2.70% | 2.32% | 2.28% | 2.42% | 2.22% | 1.90% | 1.94% | -34 bps | |
| Efficiency Ratio | 92.10% | 87.47% | 76.12% | 74.94% | 73.59% | 76.67% | 85.96% | 86.00% | +1,106 bps | |
| Non-Interest Burden | 2.52% | 2.30% | 1.69% | 1.62% | 1.67% | 1.61% | 1.57% | 1.61% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.89% | 3.63% | 3.04% | 2.34% | 0.36% | 1.08% | -0.20% | 4.44% | +210 bps | |
| Loan Growth (YoY) | 6.44% | -0.67% | -8.30% | -12.02% | -16.03% | -16.58% | -7.35% | -8.10% | +391 bps | |
| Deposit Growth (YoY) | 7.03% | 4.48% | 4.07% | 3.43% | 0.38% | 1.19% | -0.64% | 4.37% | +94 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 | 0.86% | 0.76% | 10.11% | 4.79% | 3.45% | 2.70% | -0.39% | -0.21% | -500 bps | |
| Allowance / Loans | 2.47% | 2.55% | 1.57% | 1.57% | 1.53% | 1.43% | 1.54% | 1.42% | -16 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 | 14.72% | 16.09% | 17.19% | 16.76% | 17.11% | 19.72% | 20.04% | 19.92% | +316 bps | |
| Equity / Assets | 8.02% | 7.92% | 7.29% | 7.86% | 8.06% | 7.91% | 7.76% | 7.96% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.95% | 65.16% | 55.78% | 61.30% | 60.18% | 53.72% | 52.02% | 53.97% | -733 bps | |
| Liquid Assets / Assets | 23.72% | 27.52% | 33.07% | 27.82% | 26.66% | 41.40% | 42.07% | 40.47% | +1,265 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |