Doniphan, MO · Cert 23115
FDIC
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 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.
Doniphan, MO · Cert 23115
FDIC
Q4 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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.71% | 1.69% | 2.10% | 2.30% | 2.45% | 2.52% | 2.60% | 2.49% | +19 bps | |
| Return on Equity | 16.62% | 10.56% | 13.00% | 14.00% | 13.96% | 14.87% | 15.48% | 14.78% | +77 bps | |
| Net Interest Margin | 4.47% | 4.38% | 4.36% | 4.50% | 4.09% | 4.04% | 4.02% | 3.88% | -62 bps | |
| Efficiency Ratio | 50.16% | 67.09% | 58.35% | 55.11% | 50.06% | 49.08% | 47.40% | 49.69% | -542 bps | |
| Non-Interest Burden | 1.62% | 2.57% | 2.04% | 1.93% | 1.52% | 1.44% | 1.36% | 1.42% | -51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.54% | 0.62% | -1.89% | -1.61% | 0.67% | -0.38% | 2.66% | 5.83% | +743 bps | |
| Loan Growth (YoY) | -9.62% | -10.57% | -8.91% | -6.26% | -4.22% | -5.14% | -5.14% | -2.64% | +362 bps | |
| Deposit Growth (YoY) | 1.87% | 3.37% | 0.32% | 0.30% | -0.75% | -0.84% | 2.61% | 6.83% | +653 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 | -0.04% | -0.02% | -0.13% | 0.00% | 0.03% | 0.25% | 0.21% | 0.22% | +21 bps | |
| Allowance / Loans | 1.72% | 1.77% | 2.03% | 2.08% | 2.15% | 2.11% | 2.11% | 2.15% | +7 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 | 24.06% | 21.88% | 22.53% | 24.06% | 25.02% | 23.88% | 24.35% | 25.56% | +150 bps | |
| Equity / Assets | 16.88% | 15.45% | 16.40% | 17.61% | 17.52% | 15.78% | 16.39% | 16.84% | -76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.59% | 81.24% | 84.45% | 84.20% | 80.67% | 77.72% | 78.07% | 76.74% | -746 bps | |
| Liquid Assets / Assets | 0.57% | 4.98% | 5.04% | 3.40% | 1.75% | 3.28% | 7.00% | 5.31% | +190 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |