Hale, MO · Cert 1651
FDIC
Q4 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 1.25% | 1.22% | -0.93% | -0.29% | -0.10% | 0.62% | 0.16% | +109 bps | |
| Return on Equity | 9.96% | 13.85% | 12.86% | -9.93% | -3.21% | -1.08% | 6.94% | 1.82% | +1,175 bps | |
| Net Interest Margin | 3.94% | 3.94% | 4.55% | 3.71% | 3.79% | 5.05% | 3.75% | 4.37% | +65 bps | |
| Efficiency Ratio | 75.13% | 71.14% | 68.66% | 114.05% | 84.49% | 69.48% | 85.26% | 96.70% | -1,736 bps | |
| Non-Interest Burden | 2.75% | 2.52% | 2.84% | 4.35% | 3.09% | 3.21% | 3.09% | 4.20% | -15 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% | 0.00% | 0.78% | 0.00% | 2.33% | 3.78% | -0.09% | -0.06% | -6 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 |