Jefferson City, MO · Cert 34016
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.
Jefferson City, MO · Cert 34016
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 | -2.08% | -5.65% | -4.44% | -4.67% | -5.58% | -2.98% | -4.09% | -3.82% | +85 bps | |
| Return on Equity | -22.94% | -75.89% | -63.10% | -70.72% | -92.22% | -94.89% | -154.43% | -164.93% | -9,421 bps | |
| Net Interest Margin | 2.41% | 1.39% | 1.42% | 1.45% | 1.59% | 1.53% | 1.53% | 1.52% | +7 bps | |
| Efficiency Ratio | 84.30% | 146.41% | 136.33% | 150.49% | 153.17% | 369% | 561% | 268% | +11,734 bps | |
| Non-Interest Burden | 2.00% | 2.21% | 2.08% | 2.38% | 2.68% | 3.40% | 3.73% | 3.37% | +99 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.48% | -4.13% | -2.32% | -8.12% | -17.55% | -17.09% | -19.52% | -28.20% | -2,009 bps | |
| Loan Growth (YoY) | -9.40% | -15.93% | -17.45% | -18.21% | -20.37% | -21.78% | -25.23% | -33.48% | -1,527 bps | |
| Deposit Growth (YoY) | -6.31% | -7.75% | -3.73% | -9.24% | -13.12% | -12.86% | -14.74% | -23.52% | -1,428 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 | 2.69% | 3.21% | 2.57% | 3.24% | 2.97% | 7.41% | 8.13% | 6.93% | +369 bps | |
| Allowance / Loans | 2.48% | 3.37% | 4.04% | 4.69% | 7.61% | 6.62% | 6.43% | 8.45% | +377 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 | 10.45% | 9.27% | 8.63% | 7.49% | 5.45% | 4.65% | 3.20% | 2.37% | -512 bps | |
| Equity / Assets | 8.10% | 6.79% | 6.17% | 5.22% | 3.49% | 2.79% | 1.61% | 1.07% | -415 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.02% | 94.82% | 91.21% | 91.00% | 90.75% | 85.12% | 79.98% | 79.15% | -1,185 bps | |
| Liquid Assets / Assets | 2.39% | 5.07% | 6.07% | 5.11% | 2.50% | 5.45% | 4.21% | 4.84% | -27 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |