Gladstone, MO · Cert 26890
FDIC
Q4 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -1.55% | -1.89% | -4.29% | -1.74% | -2.76% | -2.14% | -3.39% | +90 bps | |
| Return on Equity | -31.13% | -15.27% | -18.10% | -42.19% | -17.72% | -28.49% | -22.35% | -36.45% | +574 bps | |
| Net Interest Margin | 1.80% | 2.06% | 2.31% | 2.59% | 2.75% | 2.88% | 3.04% | 3.16% | +57 bps | |
| Efficiency Ratio | 232% | 219% | 165.07% | 143.95% | 150.47% | 142.99% | 163.22% | 153.57% | +962 bps | |
| Non-Interest Burden | 4.62% | 4.98% | 3.99% | 6.97% | 4.37% | 4.27% | 4.68% | 5.03% | -195 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% | -0.34% | 0.34% | -0.22% | 4.93% | 3.98% | 2.28% | 3.87% | +408 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 |