Sedalia, MO · Cert 1948
FDIC
Q3 2011
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 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.05% | -0.03% | 0.13% | 0.20% | 0.17% | 0.19% | 0.22% | -0.30% | -50 bps | |
| Return on Equity | 0.30% | -0.25% | 1.16% | 1.78% | 1.47% | 1.66% | 1.83% | -2.52% | -430 bps | |
| Net Interest Margin | 2.51% | 2.55% | 2.68% | 2.76% | 2.82% | 2.78% | 2.81% | 2.87% | +11 bps | |
| Efficiency Ratio | 101.72% | 100.97% | 94.56% | 91.50% | 93.74% | 89.48% | 89.15% | 112.18% | +2,068 bps | |
| Non-Interest Burden | 2.55% | 2.58% | 2.52% | 2.51% | 2.63% | 2.46% | 2.48% | 3.25% | +75 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.82% | 7.59% | 1.45% | -2.13% | -9.98% | -5.93% | -5.41% | -5.51% | -338 bps | |
| Loan Growth (YoY) | 1.04% | 1.24% | -0.85% | -2.59% | -8.11% | -8.14% | -7.96% | -10.09% | -751 bps | |
| Deposit Growth (YoY) | 20.76% | 14.64% | 7.17% | 2.73% | -11.17% | -6.83% | -6.43% | -5.81% | -854 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 | 0.09% | -0.02% | -0.04% | -0.02% | -0.03% | 0.16% | 0.14% | 0.10% | +12 bps | |
| Allowance / Loans | 1.53% | 1.56% | 1.63% | 1.66% | 1.70% | 1.74% | 1.78% | 1.81% | +16 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 | 20.79% | 21.34% | 22.12% | 22.50% | 22.97% | 23.45% | 23.98% | 23.91% | +141 bps | |
| Equity / Assets | 10.58% | 10.84% | 11.37% | 11.64% | 11.76% | 11.67% | 12.24% | 12.02% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 49.71% | 50.06% | 50.92% | 50.89% | 51.42% | 49.36% | 50.09% | 48.58% | -231 bps | |
| Liquid Assets / Assets | 6.70% | 6.93% | 7.10% | 6.05% | 7.28% | 7.49% | 7.72% | 7.26% | +121 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |