Sparta, MO · Cert 12459
FDIC
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 2004, 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.
Sparta, MO · Cert 12459
FDIC
Q4 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.49% | 0.70% | 0.51% | -0.13% | 0.32% | 0.06% | 0.12% | -39 bps | |
| Return on Equity | 5.49% | 4.46% | 6.41% | 4.64% | -1.19% | 2.94% | 0.57% | 1.10% | -355 bps | |
| Net Interest Margin | 3.96% | 3.82% | 3.99% | 3.99% | 4.02% | 4.04% | 0.06% | 0.94% | -306 bps | |
| Efficiency Ratio | 72.96% | 75.13% | 72.98% | 74.98% | 97.30% | 89.86% | 4.55% | 74.65% | -32 bps | |
| Non-Interest Burden | 2.74% | 2.75% | 2.80% | 2.89% | 3.89% | 3.60% | -0.01% | 0.68% | -220 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.57% | 7.22% | 4.98% | 6.05% | 1.93% | -2.16% | 3.13% | -3.65% | -970 bps | |
| Loan Growth (YoY) | 6.44% | 9.13% | 11.80% | 9.41% | 3.78% | -0.76% | -6.70% | -9.61% | -1,902 bps | |
| Deposit Growth (YoY) | 7.59% | 10.75% | 6.69% | 6.65% | 1.94% | -2.17% | 4.13% | -1.39% | -804 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% | 0.79% | 0.67% | 0.66% | 0.19% | 0.29% | 0.01% | 1.46% | +80 bps | |
| Allowance / Loans | 1.40% | 1.37% | 1.35% | 1.52% | 1.58% | 1.60% | 1.51% | 1.76% | +24 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 | 17.19% | 16.86% | 17.08% | 17.02% | 17.13% | 17.81% | 13.01% | 11.26% | -576 bps | |
| Equity / Assets | 10.73% | 10.85% | 10.91% | 10.96% | 10.90% | 11.01% | 9.49% | 10.35% | -61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.56% | 81.62% | 84.62% | 84.89% | 82.02% | 82.80% | 75.82% | 77.81% | -708 bps | |
| Liquid Assets / Assets | 8.89% | 5.53% | 5.69% | 5.71% | 4.03% | 3.91% | 0.20% | 0.10% | -561 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |