Joplin, MO · Cert 1652
FDIC
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 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.
Joplin, MO · Cert 1652
FDIC
Q3 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 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.71% | 1.37% | 1.60% | 1.64% | 1.64% | 1.45% | 1.65% | 1.60% | -3 bps | |
| Return on Equity | 16.18% | 12.64% | 15.15% | 15.34% | 15.23% | 12.79% | 14.30% | 13.53% | -181 bps | |
| Net Interest Margin | 3.94% | 3.81% | 3.83% | 3.36% | 3.45% | 3.33% | 3.37% | 3.40% | +4 bps | |
| Efficiency Ratio | 66.38% | 67.33% | 65.91% | 65.11% | 64.96% | 70.03% | 71.07% | 71.28% | +616 bps | |
| Non-Interest Burden | 2.37% | 2.29% | 2.23% | 1.91% | 1.93% | 2.07% | 2.14% | 2.15% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.71% | -5.72% | 13.47% | 15.94% | 8.28% | 12.99% | -8.25% | -11.80% | -2,773 bps | |
| Loan Growth (YoY) | -5.94% | -14.31% | -12.19% | -17.67% | -14.37% | -8.45% | -6.79% | -3.75% | +1,393 bps | |
| Deposit Growth (YoY) | -1.59% | -5.00% | 16.36% | 18.82% | 9.19% | 14.68% | -9.08% | -12.56% | -3,138 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 | 0.01% | 0.22% | 0.02% | 0.01% | 0.05% | 0.00% | 0.01% | 0.00% | -1 bps | |
| Allowance / Loans | 2.62% | 2.80% | 2.92% | 3.11% | 3.10% | 3.08% | 3.05% | 3.11% | 0 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 | 17.41% | 17.71% | 17.22% | 17.79% | 22.23% | 22.58% | 23.36% | 24.75% | +695 bps | |
| Equity / Assets | 10.44% | 11.22% | 10.17% | 10.87% | 11.27% | 11.37% | 12.11% | 12.80% | +193 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.27% | 65.44% | 54.62% | 50.43% | 52.75% | 52.24% | 55.99% | 55.51% | +508 bps | |
| Liquid Assets / Assets | 9.76% | 7.64% | 12.89% | 11.84% | 6.98% | 8.76% | 6.48% | 6.39% | -546 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |