Claycomo, MO · Cert 21127
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.
Claycomo, MO · Cert 21127
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 | 1.65% | 1.66% | 1.63% | 1.63% | 1.65% | 1.66% | 1.65% | 1.69% | +6 bps | |
| Return on Equity | 16.81% | 17.23% | 16.45% | 16.69% | 16.56% | 16.10% | 15.81% | 16.14% | -55 bps | |
| Net Interest Margin | 3.71% | 4.05% | 3.88% | 3.93% | 3.78% | 3.90% | 3.86% | 3.92% | -1 bps | |
| Efficiency Ratio | 42.76% | 41.32% | 41.23% | 39.35% | 38.98% | 35.14% | 35.85% | 36.03% | -333 bps | |
| Non-Interest Burden | 1.26% | 1.35% | 1.29% | 1.23% | 1.18% | 1.14% | 1.15% | 1.17% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 50.76% | 55.87% | 33.87% | 38.06% | 31.95% | 24.58% | 23.82% | 17.70% | -2,037 bps | |
| Loan Growth (YoY) | 71.03% | 64.99% | 43.73% | 42.39% | 35.75% | 35.08% | 26.93% | 18.21% | -2,418 bps | |
| Deposit Growth (YoY) | 45.57% | 56.68% | 32.20% | 33.59% | 27.87% | 23.98% | 19.63% | 9.37% | -2,422 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 | 0.02% | -0.02% | 0.00% | 0.01% | 0.02% | 0.00% | 0.04% | 0.04% | +2 bps | |
| Allowance / Loans | 0.89% | 0.87% | 0.88% | 0.89% | 0.86% | 0.86% | 0.90% | 0.87% | -2 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 | 10.50% | 10.34% | 11.20% | 10.18% | 11.24% | 10.75% | 11.47% | 11.49% | +131 bps | |
| Equity / Assets | 9.94% | 9.32% | 10.39% | 9.53% | 10.51% | 10.08% | 10.65% | 10.64% | +111 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 120.72% | 113.13% | 120.57% | 125.90% | 128.16% | 123.25% | 127.93% | 136.08% | +1,018 bps | |
| Liquid Assets / Assets | 0.86% | 2.38% | 0.66% | 0.57% | 0.54% | 0.46% | 0.45% | 0.44% | -13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |