Knob Noster, MO · Cert 14023
FDIC
Q3 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.85% | 0.29% | 0.66% | 0.15%1 | 0.42% | 0.51% | -0.07% | 0.86% | +71 bps | |
| Return on Equity | -22.51% | 3.76% | 8.39% | 1.85% | 5.08% | 6.09% | -0.86% | 9.50% | +765 bps | |
| Net Interest Margin | 3.55% | 3.28% | 3.37% | 3.31% | 3.39% | 3.29% | 3.43% | 3.47% | +16 bps | |
| Efficiency Ratio | 133.77% | 80.35% | 72.92% | 80.94% | 80.66% | 73.71% | 69.91% | 67.76% | -1,318 bps | |
| Non-Interest Burden | 4.79% | 2.38% | 2.07% | 2.43% | 2.41% | 2.02% | 1.83% | 1.66% | -76 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 | 0.33% | 0.06% | 0.67% | 0.69% | 2.14% | 2.35% | 2.38% | 1.31% | +62 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 |