Springfield, MO · Cert 34491
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.
Springfield, MO · Cert 34491
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 | -1.05% | -3.02% | -2.61% | -4.79% | -1.04% | -0.88% | -0.92% | -0.86% | +393 bps | |
| Return on Equity | -12.56% | -37.04% | -33.17% | -62.76% | -15.91% | -13.77% | -14.61% | -13.97% | +4,879 bps | |
| Net Interest Margin | 2.09% | 2.01% | 1.95% | 1.88% | 1.78% | 1.78% | 1.75% | 1.86% | -2 bps | |
| Efficiency Ratio | 145.78% | 174.06% | 169.61% | 159.96% | 143.07% | 137.97% | 164.90% | 154.66% | -530 bps | |
| Non-Interest Burden | 3.16% | 3.70% | 3.55% | 3.28% | 2.69% | 2.57% | 2.96% | 2.96% | -31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -18.18% | -17.37% | -10.60% | -13.85% | -8.33% | 1.20% | -6.86% | -5.68% | +817 bps | |
| Loan Growth (YoY) | -13.67% | -21.45% | -18.13% | -22.51% | -15.45% | -12.59% | -11.14% | -9.99% | +1,252 bps | |
| Deposit Growth (YoY) | -14.43% | -12.21% | -4.22% | -4.38% | -2.89% | 13.82% | 4.34% | 6.68% | +1,105 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 | 1.60% | 1.94% | 2.21% | 4.40% | 0.30% | -1.05% | -0.73% | -1.15% | -556 bps | |
| Allowance / Loans | 2.04% | 2.75% | 2.39% | 3.93% | 3.95% | 4.80% | 4.86% | 5.67% | +173 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 | 11.67% | 10.80% | 10.27% | 9.84% | 9.91% | 9.62% | 9.52% | 9.64% | -20 bps | |
| Equity / Assets | 8.55% | 7.70% | 7.03% | 6.60% | 6.45% | 6.07% | 6.00% | 5.71% | -89 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.30% | 98.19% | 89.19% | 88.21% | 89.07% | 75.41% | 75.95% | 74.43% | -1,378 bps | |
| Liquid Assets / Assets | 0.12% | 0.09% | 4.66% | 8.45% | 6.56% | 15.08% | 12.05% | 11.78% | +334 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |