Freeburg, MO · Cert 12461
FDIC
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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.
Freeburg, MO · Cert 12461
FDIC
Q3 2006
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | 1.01% | 1.01% | 1.03% | 1.04% | 1.07% | 0.91% | 0.85% | -18 bps | |
| Return on Equity | 6.31% | 7.91% | 7.83% | 7.92% | 7.95% | 7.85% | 6.68% | 6.19% | -172 bps | |
| Net Interest Margin | 3.07% | 3.18% | 3.18% | 3.14% | 3.13% | 3.19% | 3.21% | 3.24% | +10 bps | |
| Efficiency Ratio | 59.43% | 54.37% | 53.12% | 51.52% | 52.30% | 49.84% | 57.00% | 60.74% | +922 bps | |
| Non-Interest Burden | 1.76% | 1.66% | 1.62% | 1.54% | 1.57% | 1.50% | 1.75% | 1.90% | +35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.86% | 4.69% | 4.11% | 1.84% | 0.65% | -2.47% | 0.12% | -2.09% | -393 bps | |
| Loan Growth (YoY) | -5.23% | -0.15% | -2.79% | -2.41% | 1.19% | 5.24% | 9.05% | 12.48% | +1,489 bps | |
| Deposit Growth (YoY) | 2.83% | 4.94% | 4.13% | 1.29% | -0.20% | -3.80% | -0.59% | -3.09% | -438 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 | 0.02% | 0.00% | -0.01% | -0.01% | 0.00% | 0.00% | 0.03% | 0.02% | +3 bps | |
| Allowance / Loans | 0.92% | 0.92% | 0.93% | 0.94% | 0.91% | 0.87% | 0.83% | 0.81% | -12 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 | 30.07% | 30.42% | 30.42% | 30.66% | 29.77% | 30.17% | 28.94% | 28.75% | -190 bps | |
| Equity / Assets | 12.79% | 12.87% | 13.15% | 13.42% | 13.35% | 13.86% | 13.72% | 14.21% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.94% | 57.44% | 57.36% | 57.11% | 58.74% | 62.84% | 62.93% | 66.28% | +918 bps | |
| Liquid Assets / Assets | 37.08% | 37.41% | 37.57% | 37.71% | 41.09% | 40.09% | 34.61% | 30.12% | -759 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |