Kimberling City, MO · Cert 21120
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 | 1.50% | 1.45% | 0.66% | 1.43% | 1.80% | 1.95% | 2.38% | 2.53% | +109 bps | |
| Return on Equity | 19.27% | 18.17% | 7.67% | 16.13% | 19.80% | 21.15% | 24.28% | 25.31% | +918 bps | |
| Net Interest Margin | 4.17% | 4.23% | 4.03% | 3.99% | 4.08% | 4.13% | 4.18% | 4.23% | +24 bps | |
| Efficiency Ratio | 48.92% | 51.74% | 54.70% | 53.29% | 52.06% | 52.13% | 51.04% | 48.86% | -443 bps | |
| Non-Interest Burden | 1.68% | 1.85% | 1.83% | 1.74% | 1.70% | 1.73% | 1.71% | 1.60% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.23% | 0.96% | 5.56% | 1.43% | 2.13% | -0.16% | -2.32% | -1.87% | -330 bps | |
| Loan Growth (YoY) | -1.39% | -2.80% | -4.53% | -3.09% | 2.59% | 1.26% | 8.52% | 10.94% | +1,404 bps | |
| Deposit Growth (YoY) | 0.11% | 1.24% | 6.06% | 2.05% | 3.82% | 2.07% | -1.63% | -0.79% | -284 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 | 0.19% | 0.17% | 0.25% | 0.12% | 0.08% | 0.08% | 0.03% | 0.01% | -11 bps | |
| Allowance / Loans | 1.21% | 1.20% | 1.18% | 1.24% | 1.21% | 1.23% | 1.17% | 1.19% | -5 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 | 14.71% | 15.21% | 14.99% | 15.94% | 16.27% | 16.10% | 15.59% | 16.21% | +27 bps | |
| Equity / Assets | 8.31% | 8.66% | 8.58% | 9.38% | 9.80% | 9.76% | 9.84% | 10.34% | +96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.18% | 91.50% | 86.29% | 87.76% | 90.09% | 90.78% | 95.19% | 98.14% | +1,038 bps | |
| Liquid Assets / Assets | 0.58% | 0.62% | 0.15% | 0.38% | 0.11% | 0.15% | 0.04% | 0.06% | -32 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |