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

Deposit mix

NIM

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.

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.

Metric	Q4 2012	Q1 2013	Q2 2013	Q3 2013	Q4 2013	YoY Δ	Trend
Earnings
Return on Assets	0.12%	0.88%	0.47%	0.15%	-0.05%	-17 bps
Return on Equity	n/a	4.75%	2.58%	0.82%	-0.29%	n/a
Net Interest Margin	3.04%	3.36%	3.29%	3.30%	3.43%	+39 bps
Efficiency Ratio	94.36%	77.09%	85.80%	94.31%	100.95%	+659 bps
Non-Interest Burden	2.85%	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 / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Allowance / Loans	0.71%	0.77%	0.82%	0.84%	0.81%	+9 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	32.09%	34.06%	35.03%	36.95%	34.55%	+246 bps
Equity / Assets	18.18%	18.66%	18.27%	18.91%	19.04%	+85 bps
Liquidity & Funding
Loans / Deposits	75.77%	74.90%	71.27%	73.63%	78.16%	+239 bps
Liquid Assets / Assets	17.10%	18.22%	21.77%	19.93%	16.24%	-85 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a