Portageville, MO · Cert 1642
FDIC
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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.
Portageville, MO · Cert 1642
FDIC
Q3 2004
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.41% | 1.44% | 1.54% | 1.59% | 1.50% | 0.79% | 0.92% | 1.12% | -47 bps | |
| Return on Equity | 12.46% | 12.50% | 13.35% | 13.69% | 13.12% | 7.30% | 8.43% | 10.06% | -363 bps | |
| Net Interest Margin | 4.23% | 4.13% | 4.27% | 4.42% | 4.14% | 3.66% | 3.62% | 3.71% | -72 bps | |
| Efficiency Ratio | 52.36% | 50.90% | 50.52% | 50.44% | 50.59% | 58.00% | 57.97% | 51.92% | +148 bps | |
| Non-Interest Burden | 1.91% | 1.83% | 1.87% | 1.93% | 1.82% | 1.93% | 1.87% | 1.64% | -30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.37% | -2.38% | -0.81% | -3.87% | 5.06% | 0.00% | -1.18% | 0.18% | +404 bps | |
| Loan Growth (YoY) | 10.22% | 13.36% | 10.90% | 8.98% | 10.02% | 0.29% | -11.30% | -14.54% | -2,352 bps | |
| Deposit Growth (YoY) | -8.21% | -2.71% | -2.71% | -1.00% | 5.90% | 0.36% | 1.38% | 1.05% | +206 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 | 0.05% | 0.13% | 0.17% | 0.14% | 0.25% | 1.30% | 0.90% | 0.63% | +48 bps | |
| Allowance / Loans | 1.48% | 1.51% | 1.31% | 1.24% | 1.25% | 1.10% | 1.02% | 1.21% | -3 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 | 17.84% | 18.29% | 16.90% | 16.35% | 17.19% | 17.65% | 17.70% | 18.70% | +235 bps | |
| Equity / Assets | 11.63% | 11.40% | 11.64% | 11.84% | 10.84% | 10.92% | 10.99% | 11.93% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.45% | 62.20% | 73.29% | 81.36% | 68.00% | 62.16% | 64.12% | 68.80% | -1,256 bps | |
| Liquid Assets / Assets | 1.82% | 2.94% | 0.03% | 0.04% | 0.03% | 3.29% | 0.11% | 0.03% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |