Ozark, MO · Cert 34255
FDIC
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 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.
Ozark, MO · Cert 34255
FDIC
Q1 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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.51% | 0.30% | -0.98% | -2.07% | -2.74% | -4.04% | -17.34% | -1,636 bps | |
| Return on Equity | 11.39% | 6.48% | 3.87% | -15.26% | -34.93% | -52.01% | -86.37% | -7243% | -722,778 bps | |
| Net Interest Margin | 3.50% | 3.47% | 3.12% | 2.59% | 2.02% | 1.65% | 1.57% | 1.29% | -130 bps | |
| Efficiency Ratio | 67.84% | 66.09% | 67.88% | 109.35% | 160.84% | 172.70% | 201% | 69.88% | -3,947 bps | |
| Non-Interest Burden | 2.32% | 2.24% | 2.09% | 2.80% | 3.12% | 2.71% | 2.94% | -0.21% | -301 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.80% | 22.85% | 35.03% | 50.66% | 44.78% | 47.07% | 12.07% | -22.33% | -7,298 bps | |
| Loan Growth (YoY) | 16.65% | 23.19% | 33.48% | 28.64% | 14.32% | -4.05% | -31.17% | -42.80% | -7,144 bps | |
| Deposit Growth (YoY) | 1.73% | 11.42% | 37.85% | 67.08% | 72.09% | 90.12% | 40.23% | -15.33% | -8,241 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 | -0.09% | 0.04% | 0.15% | 0.32% | 1.22% | 1.30% | 4.25% | 23.35% | +2,302 bps | |
| Allowance / Loans | 0.66% | 1.00% | 1.17% | 1.45% | 2.08% | 3.92% | 3.05% | 7.02% | +556 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 | 10.50% | 10.71% | 10.04% | 9.20% | 8.55% | 6.62% | 4.78% | -3.14% | -1,233 bps | |
| Equity / Assets | 8.09% | 7.67% | 7.04% | 5.85% | 5.06% | 3.59% | 2.20% | -2.19% | -804 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 115.44% | 123.71% | 114.02% | 82.66% | 76.69% | 62.44% | 55.96% | 55.85% | -2,681 bps | |
| Liquid Assets / Assets | 0.09% | 0.02% | 0.78% | 2.12% | 0.02% | 0.03% | 0.56% | 0.02% | -209 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |