Greenfield, MO · Cert 1949
FDIC
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Greenfield, MO · Cert 1949
FDIC
Q3 2005
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | 0.54% | 0.54% | 0.13% | 0.28% | 0.60% | 1.06% | 1.24% | +111 bps | |
| Return on Equity | 2.94% | 4.72% | 4.80% | 1.24% | 2.67% | 6.84% | 11.76% | 13.57% | +1,233 bps | |
| Net Interest Margin | 2.72% | 2.90% | 2.93% | 2.98% | 3.17% | 3.06% | 3.12% | 3.28% | +30 bps | |
| Efficiency Ratio | 82.43% | 76.36% | 75.77% | 88.96% | 79.82% | 57.59% | 58.74% | 58.10% | -3,086 bps | |
| Non-Interest Burden | 2.19% | 2.13% | 2.14% | 2.61% | 2.44% | 1.55% | 1.63% | 1.78% | -83 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.45% | -1.88% | -2.98% | -3.95% | -4.35% | -8.25% | -7.18% | -4.02% | -7 bps | |
| Loan Growth (YoY) | -0.82% | -2.33% | -0.88% | -2.81% | -4.39% | -2.67% | -2.87% | 2.56% | +537 bps | |
| Deposit Growth (YoY) | -0.32% | -2.50% | -3.04% | -1.57% | -2.06% | -5.25% | -5.63% | -11.80% | -1,023 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 | 0.32% | 0.02% | 0.03% | 0.01% | 0.02% | 0.00% | 0.00% | -0.04% | -5 bps | |
| Allowance / Loans | 1.15% | 1.19% | 1.20% | 1.20% | 1.19% | 1.22% | 1.23% | 1.19% | -1 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 | 21.78% | 22.63% | 22.95% | 12.90% | 15.11% | 15.51% | 15.97% | 14.86% | +196 bps | |
| Equity / Assets | 11.30% | 11.58% | 11.20% | 8.93% | 9.01% | 8.58% | 9.55% | 9.43% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.19% | 57.77% | 57.85% | 58.29% | 59.73% | 59.35% | 59.54% | 67.79% | +949 bps | |
| Liquid Assets / Assets | 0.25% | 0.25% | 0.25% | 0.26% | 0.00% | 0.00% | 0.00% | 0.00% | -26 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |