Hannibal, MO · Cert 1939
FDIC
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Hannibal, MO · Cert 1939
FDIC
Q2 2006
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.33% | 0.17% | 0.26% | 0.30% | 0.38% | 0.22% | 0.13% | -13 bps | |
| Return on Equity | 3.95% | 3.02% | 1.67% | 2.57% | 2.94% | 3.70% | 2.09% | 1.29% | -128 bps | |
| Net Interest Margin | 3.51% | 3.41% | 3.28% | 3.22% | 3.24% | 3.51% | 3.59% | 3.44% | +22 bps | |
| Efficiency Ratio | 89.08% | 88.65% | 94.64% | 92.15% | 90.63% | 88.07% | 92.51% | 90.23% | -191 bps | |
| Non-Interest Burden | 2.96% | 2.86% | 3.03% | 2.86% | 2.80% | 2.93% | 3.25% | 3.02% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.12% | 7.68% | 13.24% | 10.79% | 6.04% | 4.00% | -3.09% | 0.19% | -1,060 bps | |
| Loan Growth (YoY) | 12.64% | 13.10% | 11.38% | 10.83% | 6.47% | 1.52% | -0.80% | 1.64% | -920 bps | |
| Deposit Growth (YoY) | 2.48% | 5.90% | 5.91% | 10.36% | 3.50% | 2.54% | -1.37% | -7.82% | -1,818 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% | 0.05% | 0.05% | 0.02% | 0.03% | 0.02% | 0.05% | 0.06% | +4 bps | |
| Allowance / Loans | 1.14% | 1.21% | 1.16% | 1.14% | 1.17% | 1.21% | 1.18% | 1.26% | +12 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 | 16.20% | 15.68% | 15.22% | 15.03% | 15.06% | 15.38% | 15.59% | 14.82% | -21 bps | |
| Equity / Assets | 10.81% | 10.35% | 10.14% | 10.00% | 10.23% | 10.04% | 10.65% | 10.05% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.56% | 95.01% | 103.50% | 99.33% | 103.45% | 94.06% | 104.10% | 109.51% | +1,018 bps | |
| Liquid Assets / Assets | 5.91% | 8.45% | 4.88% | 3.94% | 3.92% | 7.77% | 2.89% | 2.75% | -120 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |