Springfield, MO · Cert 34538
FDIC
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | 0.37% | 0.85% | 0.61% | 0.93% | 0.59% | 0.28% | 0.79% | +18 bps | |
| Return on Equity | 4.16% | 5.29% | 12.24% | 8.74% | 12.97% | 7.80% | 2.82% | 6.79% | -195 bps | |
| Net Interest Margin | 2.72% | 2.66% | 2.88% | 2.66% | 2.94% | 3.02% | 1.10% | 3.25% | +60 bps | |
| Efficiency Ratio | 54.32% | 70.54% | 63.59% | 72.34% | 68.65% | 77.81% | 65.65% | 62.16% | -1,018 bps | |
| Non-Interest Burden | 0.95% | 1.53% | 1.37% | 1.51% | 1.46% | 2.15% | 0.67% | 1.82% | +31 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 | 0.19% | 2.03% | -0.02% | 0.19% | 0.11% | -0.21% | 0.28% | 0.19% | 0 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 |