Parkville, MO · Cert 17139
FDIC
Q3 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.41% | 1.35% | 1.83% | 0.70% | 1.19% | 1.29% | -4.42% | 4.30% | +360 bps | |
| Return on Equity | 12.09% | 12.04% | 16.39% | 5.82% | 9.33% | 10.17% | -36.35% | 21.70% | +1,588 bps | |
| Net Interest Margin | 4.22% | 4.33% | 4.70% | 4.72% | 4.62% | 4.68% | 4.82% | -4.04% | -876 bps | |
| Efficiency Ratio | 71.39% | 72.95% | 66.30% | 70.67% | 76.85% | 76.76% | 82.44% | 64.00% | -667 bps | |
| Non-Interest Burden | 2.77% | 2.94% | 2.87% | 3.09% | 3.39% | 3.43% | 3.83% | -3.92% | -701 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 | 0.03% | 0.02% | -0.02% | 2.57% | 0.09% | -0.03% | 0.33% | 0.22% | -234 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 |