Gladstone, MO · Cert 26890
FDIC
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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.
Gladstone, MO · Cert 26890
FDIC
Q4 2012
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 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.15% | -2.36% | -2.21% | -2.70% | -1.74% | -2.24% | -2.21% | -2.48% | +22 bps | |
| Return on Equity | -31.13% | -23.17% | -21.55% | -26.48% | -17.72% | -22.98% | -22.77% | -25.88% | +60 bps | |
| Net Interest Margin | 1.80% | 1.95% | 2.13% | 2.36% | 2.75% | 2.85% | 2.99% | 3.17% | +81 bps | |
| Efficiency Ratio | 232% | 225% | 204% | 187.99% | 150.47% | 146.77% | 151.31% | 151.90% | -3,609 bps | |
| Non-Interest Burden | 4.62% | 4.85% | 4.73% | 5.54% | 4.37% | 4.38% | 4.59% | 4.91% | -63 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -19.24% | -19.05% | -18.35% | -16.67% | -16.12% | -17.99% | -18.27% | -17.84% | -117 bps | |
| Loan Growth (YoY) | -2.41% | -4.50% | -11.69% | -5.25% | 3.46% | -18.20% | -8.08% | -17.75% | -1,250 bps | |
| Deposit Growth (YoY) | -16.81% | -16.61% | -17.54% | -14.82% | -15.77% | -17.00% | -17.78% | -18.65% | -383 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 | -0.07% | -0.20% | -0.03% | -0.08% | 4.93% | 4.63% | 3.75% | 4.02% | +410 bps | |
| Allowance / Loans | 4.54% | 3.37% | 3.59% | 3.54% | 2.67% | 2.51% | 2.07% | 1.97% | -158 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 | 19.84% | 17.69% | 17.44% | 16.78% | 17.47% | 17.19% | 15.79% | 15.70% | -107 bps | |
| Equity / Assets | 9.88% | 10.38% | 10.44% | 9.85% | 9.74% | 9.64% | 9.51% | 9.07% | -79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.03% | 62.02% | 59.51% | 64.06% | 61.45% | 61.12% | 66.53% | 64.77% | +71 bps | |
| Liquid Assets / Assets | 21.76% | 14.21% | 17.55% | 12.98% | 21.04% | 24.26% | 20.12% | 26.70% | +1,372 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |