Springfield, MO · Cert 27465
FDIC
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Springfield, MO · Cert 27465
FDIC
Q3 2010
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.05% | -0.69% | -3.58% | -2.70% | -2.41% | -2.81% | -1.56% | -1.86% | +85 bps | |
| Return on Equity | -0.69% | -10.35% | -56.33% | -43.26% | -38.98% | -49.01% | -26.86% | -32.15% | +1,111 bps | |
| Net Interest Margin | 2.49% | 2.32% | 2.34% | 2.34% | 2.43% | 2.32% | 2.40% | 2.40% | +6 bps | |
| Efficiency Ratio | 70.07% | 78.47% | 91.97% | 96.55% | 107.58% | 128.35% | 117.59% | 168.75% | +7,220 bps | |
| Non-Interest Burden | 1.61% | 1.73% | 2.11% | 2.25% | 2.64% | 2.89% | 2.81% | 3.52% | +128 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.12% | 6.03% | -0.39% | -7.01% | -15.54% | -24.98% | -24.53% | -24.62% | -1,761 bps | |
| Loan Growth (YoY) | 8.36% | 2.06% | -10.19% | -22.41% | -32.93% | -35.26% | -34.91% | -30.01% | -761 bps | |
| Deposit Growth (YoY) | 1.75% | 1.52% | 1.98% | -4.41% | -14.33% | -23.10% | -24.87% | -23.39% | -1,898 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 | 0.36% | 0.62% | 1.77% | 2.74% | 2.73% | 2.42% | 1.72% | 1.98% | -76 bps | |
| Allowance / Loans | 1.76% | 2.08% | 3.78% | 3.54% | 3.74% | 4.28% | 4.51% | 4.27% | +73 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 | 10.43% | 11.06% | 9.95% | 10.39% | 10.79% | 10.17% | 11.13% | 10.79% | +40 bps | |
| Equity / Assets | 6.53% | 6.85% | 5.67% | 5.87% | 5.81% | 5.65% | 5.98% | 5.65% | -22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.45% | 96.82% | 90.68% | 84.88% | 79.42% | 81.51% | 78.57% | 77.54% | -733 bps | |
| Liquid Assets / Assets | 5.18% | 4.99% | 5.24% | 5.57% | 5.83% | 5.82% | 6.09% | 6.21% | +64 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |