Springfield, MO · Cert 34505
FDIC
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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 34505
FDIC
Q2 2007
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.15% | 1.11% | 1.14% | 1.22% | 1.24% | 1.26% | 0.05% | 0.65% | -57 bps | |
| Return on Equity | 10.86% | 10.54% | 10.81% | 11.61% | 11.84% | 11.96% | 0.30% | 3.96% | -765 bps | |
| Net Interest Margin | 3.37% | 3.45% | 3.72% | 3.72% | 3.70% | 3.61% | 1.22% | 2.47% | -125 bps | |
| Efficiency Ratio | 51.32% | 52.74% | 50.98% | 49.06% | 48.76% | 48.70% | 49.02% | 43.47% | -559 bps | |
| Non-Interest Burden | 1.46% | 1.56% | 1.67% | 1.57% | 1.57% | 1.53% | 0.50% | 0.94% | -63 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.61% | 13.81% | 7.22% | 8.10% | 13.59% | 7.92% | 19.97% | 21.64% | +1,354 bps | |
| Loan Growth (YoY) | 13.17% | 11.80% | 7.65% | 8.73% | 16.25% | 12.90% | 11.61% | 12.42% | +370 bps | |
| Deposit Growth (YoY) | 9.93% | 17.79% | 14.70% | 4.38% | 8.07% | 5.65% | 0.51% | -0.90% | -528 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 | 0.04% | 0.04% | -0.03% | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 0.99% | 0.98% | 0.99% | 0.99% | 0.99% | 0.99% | 0.96% | 1.04% | +6 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 | 11.15% | 10.82% | 10.79% | 10.72% | 10.56% | 10.88% | 10.76% | 10.03% | -69 bps | |
| Equity / Assets | 10.82% | 10.43% | 10.58% | 10.50% | 10.48% | 10.71% | 19.30% | 18.75% | +826 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 118.89% | 116.94% | 115.44% | 127.62% | 127.88% | 124.96% | 128.18% | 144.78% | +1,716 bps | |
| Liquid Assets / Assets | 3.44% | 3.94% | 3.15% | 2.68% | 2.72% | 2.64% | 0.00% | 0.00% | -268 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |