Hale, MO · Cert 1651
FDIC
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 2007, 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.
Hale, MO · Cert 1651
FDIC
Q4 2007
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 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 1.07% | 1.12% | 0.60% | -0.29% | -0.19% | 0.08% | 0.10% | -50 bps | |
| Return on Equity | 9.96% | 11.93% | 12.21% | 6.59% | -3.21% | -2.15% | 0.89% | 1.13% | -546 bps | |
| Net Interest Margin | 3.94% | 3.92% | 4.20% | 3.99% | 3.79% | 4.42% | 4.17% | 4.20% | +21 bps | |
| Efficiency Ratio | 75.13% | 73.10% | 71.52% | 81.41% | 84.49% | 75.92% | 78.75% | 83.29% | +189 bps | |
| Non-Interest Burden | 2.75% | 2.62% | 2.74% | 3.08% | 3.09% | 3.15% | 3.11% | 3.37% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.85% | 1.92% | 1.73% | 4.05% | 0.81% | 2.95% | 5.14% | 4.04% | -2 bps | |
| Loan Growth (YoY) | 2.27% | 7.96% | 6.34% | 6.39% | 5.18% | 0.99% | 3.55% | 3.13% | -326 bps | |
| Deposit Growth (YoY) | 4.54% | 0.17% | -0.30% | 4.21% | 0.62% | 4.88% | 7.68% | 4.26% | +5 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 | 0.45% | 0.21% | 0.40% | 0.30% | 2.33% | 3.02% | 1.95% | 1.47% | +116 bps | |
| Allowance / Loans | 1.59% | 1.55% | 1.53% | 1.63% | 1.39% | 1.05% | 1.05% | 1.08% | -55 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 | 13.01% | 12.88% | 13.17% | 12.64% | 13.86% | 13.51% | 13.59% | 13.67% | +103 bps | |
| Equity / Assets | 8.89% | 9.17% | 9.87% | 8.91% | 9.01% | 8.82% | 9.15% | 8.84% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.65% | 88.86% | 91.04% | 82.74% | 84.31% | 85.57% | 87.55% | 81.85% | -90 bps | |
| Liquid Assets / Assets | 1.08% | 0.44% | 0.45% | 0.41% | 0.36% | 0.44% | 0.53% | 1.36% | +95 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |