Sunrise Beach, MO · Cert 27331
FDIC
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 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.
Sunrise Beach, MO · Cert 27331
FDIC
Q3 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 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.82% | -1.75% | -2.31% | -2.48% | -2.18% | -8.82% | -4.77% | -4.33% | -185 bps | |
| Return on Equity | -36.86% | -30.76% | -42.37% | -47.38% | -43.01% | -274% | -165.72% | -166.44% | -11,906 bps | |
| Net Interest Margin | 3.16% | 2.85% | 2.93% | 2.90% | 3.18% | 2.62% | 2.99% | 3.16% | +26 bps | |
| Efficiency Ratio | 131.85% | 158.47% | 137.84% | 144.51% | 139.06% | 302% | 192.29% | 244% | +9,901 bps | |
| Non-Interest Burden | 4.51% | 4.59% | 4.19% | 4.34% | 4.60% | 8.81% | 6.54% | 6.73% | +239 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.83% | -8.08% | -9.05% | -13.36% | -17.26% | -19.33% | -22.87% | -19.94% | -657 bps | |
| Loan Growth (YoY) | -19.81% | -23.79% | -25.20% | -24.18% | -20.58% | -13.48% | -9.43% | -11.47% | +1,271 bps | |
| Deposit Growth (YoY) | -6.96% | -5.44% | -6.12% | -7.05% | -12.71% | -13.23% | -17.46% | -17.63% | -1,058 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 | 2.08% | 4.05% | 3.11% | 2.06% | 1.68% | 3.05% | 1.54% | 1.04% | -101 bps | |
| Allowance / Loans | 3.57% | 2.96% | 3.65% | 4.37% | 4.71% | 5.11% | 5.20% | 5.49% | +112 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 | 8.97% | 8.11% | 6.94% | 6.13% | 5.95% | 3.64% | 3.59% | 3.14% | -299 bps | |
| Equity / Assets | 5.87% | 5.53% | 4.95% | 4.47% | 4.28% | 2.12% | 2.13% | 1.70% | -278 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.22% | 62.79% | 60.02% | 61.11% | 62.97% | 62.61% | 65.85% | 65.68% | +457 bps | |
| Liquid Assets / Assets | 7.71% | 6.87% | 7.20% | 7.85% | 4.15% | 8.21% | 3.53% | 3.50% | -436 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |