Springfield, MO · Cert 34505
FDIC
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 1.02% | 1.14% | 1.31% | 1.29% | 1.30% | 0.05% | 1.21% | -10 bps | |
| Return on Equity | 11.85% | 9.61% | 10.81% | 12.40% | 12.29% | 12.32% | 0.30% | 6.36% | -605 bps | |
| Net Interest Margin | 3.60% | 3.76% | 3.72% | 3.86% | 3.96% | 3.75% | 1.22% | 3.84% | -1 bps | |
| Efficiency Ratio | 53.38% | 56.61% | 50.98% | 47.30% | 48.20% | 48.55% | 49.02% | 41.85% | -545 bps | |
| Non-Interest Burden | 1.64% | 1.90% | 1.67% | 1.53% | 1.72% | 1.58% | 0.50% | 1.42% | -10 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 | 0.03% | 0.06% | -0.03% | 0.01% | -0.02% | 0.04% | 0.00% | -0.01% | -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 |