Ozark, MO · Cert 34255
FDIC
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.19% | -0.21% | -0.25% | -0.98% | -3.04% | -3.98% | -7.45% | -17.34% | -1,636 bps | |
| Return on Equity | 14.66% | -2.63% | -3.36% | -15.26% | -55.68% | -93.00% | -252% | -7243% | -722,778 bps | |
| Net Interest Margin | 3.70% | 3.84% | 3.16% | 2.59% | 1.57% | 1.35% | 1.15% | 1.29% | -130 bps | |
| Efficiency Ratio | 63.32% | 63.06% | 73.35% | 109.35% | 241% | 206% | 345% | 69.88% | -3,947 bps | |
| Non-Interest Burden | 2.18% | 2.38% | 2.32% | 2.80% | 3.55% | 2.56% | 3.34% | -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 | -0.01% | 0.29% | 0.47% | 0.32% | 2.09% | 1.28% | 11.96% | 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 |