Knob Noster, MO · Cert 14023
FDIC
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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.
Knob Noster, MO · Cert 14023
FDIC
Q3 2012
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.18% | 0.29% | 0.48% | 0.37% | 0.38% | 0.51% | 0.22% | 0.43% | +6 bps | |
| Return on Equity | -2.15% | 3.76% | 6.12% | 4.66% | 4.78% | 6.09% | 2.61% | 4.92% | +26 bps | |
| Net Interest Margin | 3.45% | 3.28% | 3.28% | 3.30% | 3.35% | 3.29% | 3.40% | 3.50% | +20 bps | |
| Efficiency Ratio | 90.44% | 80.35% | 76.50% | 77.97% | 78.70% | 73.71% | 71.74% | 70.37% | -761 bps | |
| Non-Interest Burden | 3.00% | 2.38% | 2.19% | 2.28% | 2.33% | 2.02% | 1.95% | 1.90% | -38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.00% | 6.82% | 8.54% | 7.30% | 4.35% | -1.33% | -4.87% | -5.82% | -1,312 bps | |
| Loan Growth (YoY) | -0.36% | 0.62% | 1.51% | -0.16% | -1.85% | -5.15% | -5.61% | -8.04% | -787 bps | |
| Deposit Growth (YoY) | 4.38% | 8.06% | 11.54% | 10.10% | 6.75% | 0.43% | -5.27% | -6.66% | -1,675 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 | 0.51% | 0.06% | 0.37% | 0.48% | 0.90% | 2.35% | 2.37% | 2.07% | +159 bps | |
| Allowance / Loans | 2.24% | 2.40% | 2.39% | 2.51% | 2.10% | 1.77% | 1.87% | 1.79% | -72 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 | 12.99% | 13.41% | 13.88% | 14.19% | 14.13% | 14.79% | 14.58% | 15.31% | +112 bps | |
| Equity / Assets | 7.81% | 7.68% | 8.14% | 8.36% | 8.31% | 8.43% | 8.82% | 9.35% | +99 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.39% | 83.05% | 82.30% | 83.94% | 81.27% | 78.43% | 82.01% | 82.70% | -124 bps | |
| Liquid Assets / Assets | 7.48% | 8.13% | 9.00% | 7.89% | 9.49% | 11.25% | 8.22% | 9.88% | +199 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |