Sparta, MO · Cert 12459
FDIC
Q4 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.37% | 1.11% | -0.07% | -0.13% | 0.77% | -0.45% | 0.28% | +35 bps | |
| Return on Equity | 5.49% | 3.46% | 10.21% | -0.64% | -1.19% | 7.06% | -4.44% | 2.81% | +345 bps | |
| Net Interest Margin | 3.96% | 3.83% | 4.31% | 4.07% | 4.02% | 4.03% | -7.97% | 3.57% | -50 bps | |
| Efficiency Ratio | 72.96% | 77.35% | 69.02% | 80.84% | 97.30% | 80.67% | 4.55% | 77.87% | -297 bps | |
| Non-Interest Burden | 2.74% | 2.87% | 2.86% | 3.21% | 3.89% | 3.27% | -7.26% | 2.75% | -46 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% | 0.82% | 0.46% | 0.63% | 0.19% | 0.38% | -0.57% | 5.81% | +518 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 |