Doniphan, MO · Cert 23115
FDIC
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.69% | 2.88% | 2.89% | 2.45% | 2.58% | 2.76% | 2.13% | -76 bps | |
| Return on Equity | 16.62% | 4.25% | 18.10% | 17.01% | 13.96% | 15.49% | 17.18% | 12.81% | -420 bps | |
| Net Interest Margin | 4.47% | 4.38% | 4.38% | 4.43% | 4.09% | 4.08% | 4.08% | 3.93% | -50 bps | |
| Efficiency Ratio | 50.16% | 84.64% | 41.96% | 44.93% | 50.06% | 48.12% | 44.11% | 56.39% | +1,146 bps | |
| Non-Interest Burden | 1.62% | 3.55% | 1.00% | 1.39% | 1.52% | 1.40% | 1.23% | 1.76% | +37 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% | 0.00% | -0.36% | 0.42% | 0.03% | 0.47% | 0.12% | 0.23% | -19 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 |