Park Hills, MO · Cert 16107
FDIC
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 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.
Park Hills, MO · Cert 16107
FDIC
Q4 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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.03% | 0.25% | 0.01% | 0.01%1 | 0.18% | 0.13% | -0.09% | -10 bps | |
| Return on Equity | 8.16% | 0.29% | 2.87% | 0.12% | 0.13% | 2.11% | 1.56% | -1.04% | -116 bps | |
| Net Interest Margin | 4.16% | 4.06% | 4.16% | 4.12% | 3.72% | 3.62% | 3.60% | 3.64% | -48 bps | |
| Efficiency Ratio | 72.80% | 75.83% | 74.73% | 75.38% | 77.70% | 78.85% | 79.93% | 87.79% | +1,241 bps | |
| Non-Interest Burden | 2.74% | 2.79% | 2.79% | 2.80% | 2.65% | 2.62% | 2.65% | 3.06% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.48% | -5.55% | -2.88% | -0.10% | 1.90% | 4.70% | 1.60% | -3.94% | -384 bps | |
| Loan Growth (YoY) | -3.62% | -4.15% | -3.08% | -7.08% | -9.28% | -11.83% | -14.59% | -18.15% | -1,106 bps | |
| Deposit Growth (YoY) | -7.40% | -4.99% | -2.41% | 0.70% | 2.84% | 4.32% | 2.60% | -3.48% | -418 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 | 0.66% | 1.00% | 0.80% | 1.34% | 2.81% | 1.62% | 1.62% | 1.45% | +10 bps | |
| Allowance / Loans | 1.24% | 1.60% | 1.64% | 1.80% | 1.59% | 1.73% | 1.72% | 1.97% | +17 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 | 13.55% | 13.95% | 14.07% | 14.70% | 14.83% | 15.63% | 16.25% | 17.50% | +280 bps | |
| Equity / Assets | 8.81% | 8.59% | 8.72% | 8.42% | 8.23% | 8.26% | 8.48% | 8.65% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.29% | 91.44% | 90.81% | 85.56% | 81.42% | 77.29% | 75.59% | 72.56% | -1,300 bps | |
| Liquid Assets / Assets | 3.63% | 4.14% | 4.57% | 7.62% | 9.32% | 14.38% | 15.64% | 19.57% | +1,194 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |