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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.48% | -2.18% | -8.82% | -4.77% | -4.33% | -185 bps | |
| Return on Equity | -47.38% | -43.01% | -274% | -165.72% | -166.44% | -11,906 bps | |
| Net Interest Margin | 2.90% | 3.18% | 2.62% | 2.99% | 3.16% | +26 bps | |
| Efficiency Ratio | 144.51% | 139.06% | 302% | 192.29% | 244% | +9,901 bps | |
| Non-Interest Burden | 4.34% | 4.60% | 8.81% | 6.54% | 6.73% | +239 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.36% | -17.26% | -19.33% | -22.87% | -19.94% | -657 bps | |
| Loan Growth (YoY) | -24.18% | -20.58% | -13.48% | -9.43% | -11.47% | +1,271 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 2.06% | 1.68% | 3.05% | 1.54% | 1.04% | -101 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 6.13% | 5.95% | 3.64% | 3.59% | 3.14% | -299 bps | |
| Equity / Assets | 4.47% | 4.28% | 2.12% | 2.13% | 1.70% | -278 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.11% | 62.97% | 62.61% | 65.85% | 65.68% | +457 bps | |
| Liquid Assets / Assets | 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 |