Springfield, MO · Cert 34491
FDIC
Q4 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -5.14% | -1.82% | -11.60% | -1.04% | -0.73% | -0.98% | -0.68% | +1,092 bps | |
| Return on Equity | -12.56% | -63.18% | -24.77% | -170.17% | -15.91% | -11.63% | -16.26% | -11.67% | +15,849 bps | |
| Net Interest Margin | 2.09% | 1.80% | 1.82% | 1.75% | 1.78% | 1.87% | 1.57% | 2.00% | +25 bps | |
| Efficiency Ratio | 145.78% | 208% | 160.81% | 134.74% | 143.07% | 133.13% | 257% | 129.27% | -547 bps | |
| Non-Interest Burden | 3.16% | 4.03% | 3.23% | 2.65% | 2.69% | 2.57% | 3.55% | 2.68% | +3 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% | 2.12% | 2.66% | 10.58% | 0.30% | -2.42% | -0.06% | -2.33% | -1,291 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 |