Viburnum, MO · Cert 20115
FDIC
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Viburnum, MO · Cert 20115
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 | -3.38% | 0.64% | 0.48% | 0.13% | 0.16% | -17.06% | -8.21% | -5.26% | -539 bps | |
| Return on Equity | -48.09% | 11.54% | 8.46% | 2.18% | 2.73% | -472% | -250% | -150.29% | -15,248 bps | |
| Net Interest Margin | 1.91% | 2.91% | 2.79% | 2.78% | 2.81% | 2.72% | 2.87% | 2.96% | +18 bps | |
| Efficiency Ratio | 125.35% | 75.20% | 83.40% | 84.41% | 80.57% | 139.47% | 102.69% | 91.62% | +721 bps | |
| Non-Interest Burden | 2.89% | 2.11% | 2.30% | 2.32% | 2.21% | 3.94% | 2.96% | 2.70% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.92% | -2.31% | -5.20% | -6.68% | -3.60% | -6.64% | -8.46% | -7.31% | -63 bps | |
| Loan Growth (YoY) | 21.80% | 15.99% | 1.74% | -7.93% | -7.79% | -10.96% | -11.78% | -12.71% | -477 bps | |
| Deposit Growth (YoY) | 10.80% | -0.85% | -4.56% | -6.77% | -4.65% | -2.89% | -6.14% | -6.10% | +67 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 | 2.70% | 0.38% | 0.65% | 1.52% | 1.49% | 14.35% | 7.35% | 5.16% | +364 bps | |
| Allowance / Loans | 3.61% | 3.61% | 3.44% | 3.13% | 3.10% | 5.48% | 5.68% | 6.05% | +292 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 | 7.82% | 8.06% | 8.27% | 8.36% | 8.34% | 3.27% | 3.66% | 4.07% | -428 bps | |
| Equity / Assets | 5.31% | 5.73% | 5.92% | 6.31% | 5.64% | 1.53% | 2.59% | 4.19% | -213 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.90% | 90.38% | 90.95% | 90.27% | 87.91% | 82.88% | 85.48% | 83.92% | -635 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.01% | 0.10% | 0.10% | 0.10% | 4.04% | 5.41% | +531 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |