Springfield, MO · Cert 34538
FDIC
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, 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 34538
FDIC
Q2 2004
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 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.42% | 0.85% | 0.73% | 0.80% | 0.75% | 0.28% | 0.54% | -18 bps | |
| Return on Equity | 6.50% | 6.21% | 12.24% | 10.46% | 11.33% | 10.42% | 2.82% | 5.22% | -524 bps | |
| Net Interest Margin | 2.84% | 2.67% | 2.88% | 2.71% | 2.73% | 2.87% | 1.10% | 2.17% | -54 bps | |
| Efficiency Ratio | 63.64% | 65.53% | 63.59% | 68.04% | 68.27% | 70.47% | 65.65% | 63.02% | -502 bps | |
| Non-Interest Burden | 1.52% | 1.45% | 1.37% | 1.41% | 1.40% | 1.62% | 0.67% | 1.24% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.52% | 21.39% | 19.15% | 14.96% | 3.02% | -0.12% | 7.47% | 6.16% | -880 bps | |
| Loan Growth (YoY) | 32.41% | 30.30% | 20.99% | 17.87% | 3.10% | 5.37% | 16.96% | 14.02% | -385 bps | |
| Deposit Growth (YoY) | 18.23% | 22.33% | 15.29% | 14.21% | 4.31% | 1.68% | 3.40% | 4.22% | -999 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 | 0.16% | 0.63% | -0.02% | 0.08% | 0.09% | 0.01% | 0.28% | 0.23% | +15 bps | |
| Allowance / Loans | 1.58% | 1.27% | 1.33% | 1.31% | 1.36% | 1.37% | 1.19% | 1.18% | -13 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 | 10.12% | 10.05% | 10.03% | 10.02% | 10.15% | 10.32% | 9.21% | 9.23% | -79 bps | |
| Equity / Assets | 7.01% | 6.91% | 6.96% | 7.01% | 7.41% | 7.68% | 11.66% | 11.67% | +466 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.04% | 95.68% | 99.25% | 97.37% | 95.91% | 99.15% | 112.27% | 106.52% | +915 bps | |
| Liquid Assets / Assets | 0.11% | 0.01% | 0.15% | 0.11% | 0.10% | 0.10% | 0.00% | 0.01% | -10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |