Antonia, MO · Cert 19435
FDIC
Q1 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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.44% | 0.58% | 0.50% | 0.54% | 0.52% | 0.41% | 0.54% | +4 bps | |
| Return on Equity | 5.53% | 5.01% | 6.54% | 5.38% | 5.82% | 5.55% | 4.40% | 4.46% | -92 bps | |
| Net Interest Margin | 3.47% | 3.49% | 3.61% | 3.72% | 3.79% | 3.72% | 3.81% | 2.17% | -155 bps | |
| Efficiency Ratio | 86.56% | 87.86% | 87.39% | 86.33% | 85.73% | 86.35% | 91.43% | 73.57% | -1,276 bps | |
| Non-Interest Burden | 2.83% | 2.91% | 3.00% | 3.04% | 3.06% | 3.02% | 3.36% | 1.39% | -165 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.35% | 0.98% | -5.02% | -2.33% | -4.92% | -2.65% | -0.05% | 12.55% | +1,488 bps | |
| Loan Growth (YoY) | 4.73% | -1.05% | 7.62% | 4.07% | 0.31% | 2.33% | -5.16% | -7.19% | -1,126 bps | |
| Deposit Growth (YoY) | -4.43% | -1.78% | -2.54% | -3.57% | -2.20% | -3.60% | -6.41% | -6.06% | -250 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% | 0.36% | 0.28% | -0.04% | 0.05% | 0.35% | 0.10% | -0.09% | -6 bps | |
| Allowance / Loans | 1.59% | 1.60% | 1.44% | 1.52% | 1.50% | 1.28% | 1.33% | 1.62% | +11 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 | 16.32% | 16.94% | 16.50% | 16.86% | 17.41% | 16.14% | 16.87% | 20.36% | +351 bps | |
| Equity / Assets | 8.16% | 8.93% | 9.37% | 9.32% | 9.38% | 9.36% | 9.26% | 14.79% | +546 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.43% | 53.86% | 59.28% | 57.69% | 56.85% | 57.17% | 60.07% | 57.00% | -69 bps | |
| Liquid Assets / Assets | 0.36% | 0.42% | 0.45% | 0.09% | 0.11% | 0.12% | 0.15% | 0.21% | +11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |