Shell Knob, MO · Cert 21717
FDIC
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Shell Knob, MO · Cert 21717
FDIC
Q1 2013
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.87% | -1.50% | -1.79% | -3.07% | -2.13% | -1.76% | -1.68% | -1.05% | +202 bps | |
| Return on Equity | -17.18% | -30.88% | -38.91% | -101.64% | -77.75% | -68.86% | -70.84% | -72.30% | +2,934 bps | |
| Net Interest Margin | 3.21% | 3.22% | 3.17% | 2.79% | 2.59% | 2.66% | 2.46% | 2.03% | -76 bps | |
| Efficiency Ratio | 122.49% | 126.47% | 133.77% | 302% | 180.88% | 164.35% | 165.22% | 140.26% | -16,212 bps | |
| Non-Interest Burden | 4.06% | 4.22% | 4.39% | 5.83% | 4.46% | 4.28% | 4.06% | 3.11% | -272 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.01% | -6.59% | -1.76% | 6.50% | 7.44% | 6.94% | 5.71% | 7.25% | +75 bps | |
| Loan Growth (YoY) | -14.95% | -21.39% | -12.22% | -13.85% | -20.42% | -19.68% | -21.10% | -13.07% | +78 bps | |
| Deposit Growth (YoY) | -1.15% | -2.40% | 0.02% | 9.42% | 10.43% | 9.49% | 7.84% | 8.65% | -77 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 | 0.00% | 0.71% | 0.53% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.67% | 2.19% | 2.62% | 2.87% | 3.14% | 3.54% | 3.57% | 3.55% | +69 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 | 10.14% | 9.31% | 8.25% | 5.88% | 5.35% | 5.21% | 5.02% | 4.47% | -141 bps | |
| Equity / Assets | 4.82% | 4.25% | 3.54% | 2.53% | 2.21% | 2.02% | 1.66% | 1.26% | -127 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 53.89% | 48.32% | 48.01% | 40.09% | 38.84% | 35.45% | 35.13% | 32.08% | -802 bps | |
| Liquid Assets / Assets | 35.84% | 30.88% | 23.09% | 50.28% | 35.08% | 37.99% | 37.45% | 43.50% | -678 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |