Columbia, MO · Charter 11837
Q3 2006
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.54% | 0.47% | 0.32% | 0.25% | 0.01% | 0.03% | 0.03% | -29 bps | |
| Return on Equity | 5.82% | 5.34% | 4.56% | 3.11% | 2.48% | 0.05% | 0.28% | 0.31% | -280 bps | |
| Net Interest Margin | 0.97% | 0.81% | 0.81% | 0.67% | 0.56% | 0.20% | 0.22% | 0.27% | -41 bps | |
| Efficiency Ratio | 18.51% | 23.71% | 23.29% | 27.42% | 33.60% | 97.45% | 87.01% | 69.03% | +4,160 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.21% | 2.84% | 3.15% | 1.20% | 1.68% | 1.00% | 3.32% | 3.08% | +188 bps | |
| Loan Growth (YoY) | -1.10% | 1.01% | 1.76% | 1.62% | -1.03% | -2.64% | -1.23% | 0.62% | -100 bps | |
| Share Growth (YoY) | 2.90% | 2.51% | 2.77% | 0.66% | 1.26% | 0.67% | 3.35% | 4.37% | +371 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.51% | 0.56% | 0.63% | 0.72% | 0.40% | 0.55% | 0.45% | -18 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.77% | 0.76% | 0.84% | 1.05% | 0.91% | 0.67% | 0.52% | 0.55% | -50 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.10% | 10.14% | 10.39% | 10.41% | 10.19% | 10.16% | 10.09% | 10.13% | -27 bps | |
| Net Worth / Assets | 10.10% | 10.14% | 10.39% | 10.41% | 10.19% | 10.16% | 10.09% | 10.13% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.89% | 31.75% | 32.37% | 32.35% | 31.18% | 30.71% | 30.94% | 31.19% | -116 bps | |
| Liquid Assets / Assets | 22.78% | 26.06% | 21.95% | 26.18% | 29.17% | 26.07% | 0.00% | 0.00% | -2,618 bps | |