Jefferson City, MO · Cert 34016
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.85% | -5.65% | -3.19% | -5.12% | -8.56% | -2.98% | -5.21% | -3.07% | +204 bps | |
| Return on Equity | -22.11% | -75.89% | -49.20% | -89.60% | -194.94% | -94.89% | -235% | -225% | -13,532 bps | |
| Net Interest Margin | 1.75% | 1.39% | 1.46% | 1.37% | 1.65% | 1.53% | 1.49% | 1.06% | -31 bps | |
| Efficiency Ratio | 120.76% | 146.41% | 126.67% | 182.68% | 161.61% | 369% | 1146% | 123.49% | -5,920 bps | |
| Non-Interest Burden | 2.15% | 2.21% | 1.95% | 2.76% | 3.02% | 3.40% | 3.96% | 1.58% | -118 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 | 2.43% | 3.21% | 1.74% | 4.26% | 1.52% | 7.41% | 8.04% | 1.38% | -288 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 |