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 -0.70%, down 124 bps year over year; NIM at 3.34%.
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 (quarter, annualized)

-0.70%-124 bps YoY

Net Interest Margin (quarter, annualized)

3.34%+10 bps YoY

Efficiency Ratio (quarter, annualized)

122.48%+3,832 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q4 2012	Q1 2013	Q2 2013	Q3 2013	Q4 2013	YoY Δ	Trend
Earnings
Return on Assets	0.54%	0.88%	0.07%	-0.51%	-0.70%	-124 bps
Return on Equity	3.01%	4.75%	0.38%	-2.75%	-3.69%	-670 bps
Net Interest Margin	3.24%	3.36%	3.21%	3.20%	3.34%	+10 bps
Efficiency Ratio	84.16%	77.09%	95.82%	113.42%	122.48%	+3,832 bps
Non-Interest Burden	2.69%	2.41%	3.05%	3.68%	4.18%	+149 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