Parkville, MO · Cert 17139
FDIC
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 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.
Parkville, MO · Cert 17139
FDIC
Q3 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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 1.35% | 1.59% | 1.31% | 1.28% | 1.29% | -1.57% | 0.44% | -87 bps | |
| Return on Equity | 9.58% | 12.04% | 14.22% | 11.33% | 10.86% | 10.17% | -12.78% | 2.70% | -863 bps | |
| Net Interest Margin | 3.92% | 4.33% | 4.47% | 4.74% | 4.85% | 4.68% | 4.89% | 1.52% | -323 bps | |
| Efficiency Ratio | 75.50% | 72.95% | 69.51% | 69.89% | 71.52% | 76.76% | 79.59% | 62.41% | -748 bps | |
| Non-Interest Burden | 2.75% | 2.94% | 2.87% | 3.07% | 3.24% | 3.43% | 3.73% | 0.88% | -219 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.19% | -8.33% | -6.31% | -12.89% | -8.06% | -8.45% | -8.14% | 10.37% | +2,326 bps | |
| Loan Growth (YoY) | 31.23% | 14.30% | 16.82% | 16.91% | 5.56% | 0.96% | -9.61% | -0.35% | -1,726 bps | |
| Deposit Growth (YoY) | -7.67% | -8.28% | -5.69% | -13.90% | -9.47% | -10.40% | -10.08% | -8.36% | +554 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 | 0.02% | 0.02% | 0.00% | 0.86% | 0.68% | -0.03% | 0.15% | 0.16% | -69 bps | |
| Allowance / Loans | 1.47% | 1.47% | 1.40% | 1.18% | 1.20% | 1.27% | 1.77% | 1.44% | +26 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 | 22.88% | 20.27% | 20.18% | 22.25% | 20.95% | 20.30% | 17.64% | 17.92% | -433 bps | |
| Equity / Assets | 11.25% | 11.10% | 11.18% | 12.94% | 12.50% | 12.90% | 11.41% | 27.49% | +1,455 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 47.83% | 46.85% | 49.98% | 57.84% | 55.76% | 52.79% | 50.25% | 62.90% | +506 bps | |
| Liquid Assets / Assets | 6.91% | 6.63% | 6.47% | 6.89% | 6.44% | 5.93% | 5.43% | 0.00% | -689 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |