Sunrise Beach, MO · Cert 27331
FDIC
Q3 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -7.45% | -1.75% | -2.87% | -2.79% | -1.15% | -8.82% | -0.48% | -3.41% | -62 bps | |
| Return on Equity | -110.55% | -30.76% | -54.84% | -59.07% | -26.17% | -274% | -22.53% | -177.99% | -11,892 bps | |
| Net Interest Margin | 1.52% | 2.85% | 2.97% | 2.82% | 2.90% | 2.62% | 3.18% | 3.10% | +28 bps | |
| Efficiency Ratio | 143.70% | 158.47% | 120.49% | 158.85% | 121.70% | 302% | 110.70% | 244% | +8,467 bps | |
| Non-Interest Burden | 2.93% | 4.59% | 3.71% | 4.65% | 3.65% | 8.81% | 3.65% | 6.28% | +163 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 | 3.63% | 4.05% | 1.92% | -0.14% | 0.24% | 3.05% | -0.03% | -0.06% | +8 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 |