Mountain View, MO · Cert 12216
FDIC
Q1 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 0.77% | 1.03% | 0.63% | 0.56% | 0.50% | -0.12% | 0.20% | -43 bps | |
| Return on Equity | 9.55% | 10.47% | 13.65% | 8.34% | 7.58% | 6.77% | -1.60% | 2.80% | -554 bps | |
| Net Interest Margin | 4.08% | 4.27% | 4.16% | 4.02% | 4.25% | 4.28% | 4.17% | 3.79% | -23 bps | |
| Efficiency Ratio | 74.56% | 71.74% | 69.59% | 77.25% | 77.76% | 73.91% | 83.20% | 82.93% | +569 bps | |
| Non-Interest Burden | 2.66% | 2.65% | 1.92% | 2.78% | 3.01% | 2.79% | 3.29% | 2.90% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.56% | 8.33% | 7.25% | 5.29% | 8.46% | 5.69% | 4.38% | 4.84% | -45 bps | |
| Loan Growth (YoY) | 15.06% | 16.44% | 17.49% | 12.08% | 7.17% | 6.13% | 1.15% | 3.50% | -858 bps | |
| Deposit Growth (YoY) | 8.69% | 8.12% | 6.10% | 5.01% | 8.76% | 5.83% | 6.01% | 3.66% | -135 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 | 0.38% | 0.48% | 1.80% | 0.21% | 0.38% | 0.63% | 1.11% | 0.27% | +6 bps | |
| Allowance / Loans | 1.32% | 1.27% | 1.26% | 1.33% | 1.28% | 1.29% | 1.34% | 1.43% | +11 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 | 10.13% | 10.27% | 10.32% | 10.59% | 10.40% | 10.31% | 10.42% | 10.50% | -10 bps | |
| Equity / Assets | 7.28% | 7.51% | 7.57% | 7.53% | 7.34% | 7.50% | 7.34% | 7.16% | -37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.66% | 101.84% | 102.55% | 98.18% | 98.20% | 102.13% | 97.86% | 98.02% | -16 bps | |
| Liquid Assets / Assets | 1.34% | 0.37% | 0.39% | 0.35% | 0.36% | 0.36% | 2.92% | 5.78% | +543 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |