Perryville, MO · Cert 34359
FDIC
Q4 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2010, the quarter ended December 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.
Perryville, MO · Cert 34359
FDIC
Q4 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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.26% | 0.29% | 0.59% | 0.43% | 0.59% | 0.66% | 1.01% | +42 bps | |
| Return on Equity | 1.43% | 1.14% | 1.33% | 2.77% | 2.23% | 3.05% | 3.40% | 5.20% | +243 bps | |
| Net Interest Margin | 3.36% | 3.14% | 2.83% | 2.64% | 2.63% | 2.73% | 2.75% | 2.78% | +14 bps | |
| Efficiency Ratio | 91.07% | 90.99% | 90.48% | 83.48% | 84.21% | 78.81% | 77.35% | 75.93% | -755 bps | |
| Non-Interest Burden | 3.02% | 2.82% | 2.53% | 2.14% | 2.15% | 2.06% | 2.03% | 2.00% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.86% | 4.44% | 22.08% | 30.45% | 23.46% | 12.86% | 4.38% | 0.40% | -3,005 bps | |
| Loan Growth (YoY) | -10.85% | -0.63% | -1.02% | -2.42% | 3.58% | -3.17% | -3.85% | -1.51% | +91 bps | |
| Deposit Growth (YoY) | -6.59% | 5.54% | 28.90% | 39.64% | 29.76% | 15.26% | 4.28% | -0.60% | -4,024 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.70% | 1.59% | 1.64% | 1.56% | 1.48% | 1.47% | 1.54% | 1.24% | -33 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 | 51.27% | 45.49% | 44.67% | 46.19% | 43.65% | 43.98% | 45.73% | 47.53% | +134 bps | |
| Equity / Assets | 22.90% | 21.13% | 19.41% | 19.17% | 19.11% | 19.43% | 19.41% | 20.11% | +94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.49% | 84.47% | 72.96% | 66.79% | 69.84% | 70.96% | 67.27% | 66.17% | -62 bps | |
| Liquid Assets / Assets | 11.18% | 13.81% | 19.28% | 32.24% | 29.21% | 31.20% | 30.90% | 30.73% | -151 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |