Goodman, MO · Cert 12449
FDIC
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 2008, 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.
Goodman, MO · Cert 12449
FDIC
Q2 2008
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 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.29% | 0.41% | 0.30% | 0.40% | 0.42% | 0.56% | 0.12% | -18 bps | |
| Return on Equity | 3.81% | 2.85% | 3.76% | 2.82% | 3.64% | 3.92% | 5.19% | 0.88% | -194 bps | |
| Net Interest Margin | 4.63% | 5.02% | 4.95% | 5.09% | 5.03% | 4.83% | 5.23% | 1.28% | -381 bps | |
| Efficiency Ratio | 91.38% | 93.05% | 91.28% | 93.73% | 91.96% | 91.33% | 89.20% | 88.35% | -538 bps | |
| Non-Interest Burden | 4.18% | 4.62% | 4.45% | 4.73% | 4.57% | 4.35% | 4.59% | 1.14% | -359 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.50% | 3.49% | -10.97% | -5.89% | -7.90% | 7.10% | 1.52% | 11.65% | +1,754 bps | |
| Loan Growth (YoY) | 7.69% | 14.81% | 8.24% | -3.34% | -3.74% | -5.28% | -6.46% | -8.80% | -546 bps | |
| Deposit Growth (YoY) | 22.85% | 3.35% | -12.59% | -6.86% | -9.06% | 7.69% | 1.24% | -0.21% | +665 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 | 0.21% | 0.21% | 0.56% | 0.47% | 0.46% | 0.60% | -0.20% | 0.00% | -47 bps | |
| Allowance / Loans | 3.38% | 3.34% | 3.22% | 3.33% | 3.12% | 2.93% | 3.03% | 0.00% | -333 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 | 23.40% | 23.57% | 24.05% | 24.78% | 25.00% | 23.72% | 25.35% | 30.68% | +589 bps | |
| Equity / Assets | 10.21% | 10.84% | 11.08% | 10.56% | 11.20% | 10.40% | 11.37% | 19.53% | +897 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.54% | 71.86% | 72.34% | 64.72% | 69.38% | 63.20% | 66.84% | 59.15% | -557 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |