Blue Springs, MO · Cert 20183
FDIC
Q2 2004
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.47% | 1.55% | 1.48% | 1.41% | 1.41% | 1.47% | 1.56% | 1.58% | +17 bps | |
| Return on Equity | 8.10% | 8.56% | 8.17% | 7.88% | 7.94% | 8.31% | 8.97% | 9.04% | +116 bps | |
| Net Interest Margin | 4.18% | 4.18% | 4.23% | 4.06% | 3.95% | 3.96% | 4.23% | 4.16% | +10 bps | |
| Efficiency Ratio | 51.81% | 51.29% | 51.56% | 52.27% | 52.13% | 51.18% | 49.71% | 50.59% | -168 bps | |
| Non-Interest Burden | 1.62% | 1.56% | 1.62% | 1.57% | 1.51% | 1.45% | 1.44% | 1.43% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.93% | 1.81% | 0.15% | 2.08% | 5.31% | 5.38% | 4.45% | -0.52% | -260 bps | |
| Loan Growth (YoY) | 0.05% | 0.70% | -4.54% | -0.86% | 0.82% | 0.96% | 5.74% | 2.56% | +342 bps | |
| Deposit Growth (YoY) | 8.75% | 3.10% | 0.38% | 2.82% | 6.32% | 6.47% | 5.22% | -0.96% | -378 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 | 0.47% | 0.36% | 0.37% | 0.21% | 0.26% | 0.25% | 0.11% | 0.08% | -13 bps | |
| Allowance / Loans | 1.72% | 1.80% | 1.86% | 1.92% | 1.89% | 1.87% | 1.91% | 2.00% | +8 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 | 12.85% | 12.91% | 13.00% | 12.87% | 12.67% | 12.51% | 12.36% | 12.64% | -23 bps | |
| Equity / Assets | 17.99% | 18.26% | 18.00% | 17.60% | 17.15% | 17.40% | 17.32% | 17.72% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.76% | 87.04% | 82.41% | 80.75% | 79.43% | 82.54% | 82.82% | 83.62% | +287 bps | |
| Liquid Assets / Assets | 10.84% | 12.63% | 10.02% | 10.47% | 13.79% | 15.09% | 11.24% | 7.83% | -264 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |