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Midwest Federal Savings and Loan Association of St. Joseph

Saint Joseph, MO · Cert 28731

FDIC

Q4 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2013, the quarter ended December 31, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Midwest Federal Savings and Loan Association of St. Joseph

Saint Joseph, MO · Cert 28731

FDIC

Q4 2013

$32.2MAssets
$20.3MLoans
$26.0MDeposits
$6.1MEquity
Loan mix
95%RE $18.5M4%C&I $0.7M1%Consumer $0.3MQ4 2012Q4 2013
Deposit mix
92%Interest-bearing $23.9M8%Noninterest $2.1MQ4 2012Q4 2013

NIM

3.72%Q1 ’123.96%Q4 ’124.18%Q4 ’13+13%+13%

Non-interest income vs. expense

3.12%Q1 ’123.11%Q4 ’123.98%Q4 ’13-1%+22%

Executive Summary

  • Earnings: ROA of -0.05%, down 17 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 78.16% of deposits as of Q4 2013.

Financial Results

Return on Assets (YTD, annualized)

-0.05%-17 bps YoY

Net Interest Margin (YTD, annualized)

3.43%+39 bps YoY

Efficiency Ratio (YTD, annualized)

100.95%+659 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets0.12%0.88%0.47%0.15%-0.05%-17 bps
Return on Equityn/a4.75%2.58%0.82%-0.29%n/a
Net Interest Margin3.04%3.36%3.29%3.30%3.43%+39 bps
Efficiency Ratio94.36%77.09%85.80%94.31%100.95%+659 bps
Non-Interest Burden2.85%2.41%2.74%3.08%3.47%+62 bps
Growth
Asset Growth (YoY)0.54%-2.56%-1.77%-6.86%-8.29%-883 bps
Loan Growth (YoY)24.48%0.40%-4.59%-9.24%-6.50%-3,098 bps
Deposit Growth (YoY)0.41%-3.52%-1.98%-7.82%-9.36%-976 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.71%0.77%0.82%0.84%0.81%+9 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital32.09%34.06%35.03%36.95%34.55%+246 bps
Equity / Assets18.18%18.66%18.27%18.91%19.04%+85 bps
Liquidity & Funding
Loans / Deposits75.77%74.90%71.27%73.63%78.16%+239 bps
Liquid Assets / Assets17.10%18.22%21.77%19.93%16.24%-85 bps
CRE / Total Capitaln/an/an/an/an/an/an/a