La Grange, MO · Cert 1965
FDIC
Q1 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.10% | 0.66% | 1.44% | 1.42% | 1.06% | 1.17% | -1.54% | 1.83% | +41 bps | |
| Return on Equity | -20.91% | 6.83% | 13.92% | 13.18% | 9.53% | 10.26% | -13.49% | 16.36% | +318 bps | |
| Net Interest Margin | 3.56% | 3.41% | 3.65% | 3.49% | 3.79% | 3.67% | 3.84% | 3.70% | +22 bps | |
| Efficiency Ratio | 151.50% | 71.47% | 65.56% | 63.41% | 57.74% | 65.23% | 98.89% | 54.79% | -863 bps | |
| Non-Interest Burden | 5.66% | 2.03% | 2.05% | 2.07% | 2.01% | 2.27% | 3.79% | 1.87% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.38% | -0.46% | -4.64% | 1.13% | -7.99% | -1.25% | -1.34% | 5.09% | +395 bps | |
| Loan Growth (YoY) | -4.98% | -6.52% | -7.97% | -6.32% | -7.64% | -4.50% | -1.46% | 0.57% | +689 bps | |
| Deposit Growth (YoY) | 10.61% | 4.26% | -0.94% | 1.05% | -9.79% | -2.82% | -2.16% | 5.13% | +409 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 | 0.65% | 1.10% | 0.35% | -0.45% | -0.02% | 0.24% | 2.10% | 0.07% | +52 bps | |
| Allowance / Loans | 1.25% | 1.29% | 1.32% | 1.46% | 1.71% | 1.74% | 1.81% | 1.80% | +34 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 | 12.96% | 13.67% | 13.99% | 15.18% | 15.51% | 15.82% | 15.44% | 16.83% | +165 bps | |
| Equity / Assets | 9.39% | 10.07% | 10.64% | 10.96% | 11.37% | 11.48% | 11.34% | 11.06% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.89% | 76.76% | 76.11% | 74.70% | 76.67% | 75.44% | 76.65% | 71.46% | -324 bps | |
| Liquid Assets / Assets | 0.03% | 0.03% | 3.96% | 4.15% | 4.21% | 6.08% | 5.99% | 5.68% | +153 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |