Sullivan, MO · Cert 34560
FDIC
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 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.
Sullivan, MO · Cert 34560
FDIC
Q4 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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.46% | 0.44% | 0.36% | 0.42% | 0.35% | 0.01% | 0.10% | -26 bps | |
| Return on Equity | 7.26% | 6.02% | 5.66% | 4.63% | 4.99% | 4.13% | 0.08% | 0.95% | -368 bps | |
| Net Interest Margin | 2.97% | 3.13% | 3.17% | 3.13% | 2.86% | 2.92% | 0.17% | 0.75% | -239 bps | |
| Efficiency Ratio | 75.82% | 81.23% | 77.23% | 79.52% | 80.89% | 83.59% | 93.63% | 79.60% | +8 bps | |
| Non-Interest Burden | 2.09% | 2.43% | 2.30% | 2.36% | 2.21% | 2.35% | 0.16% | 0.58% | -179 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 43.80% | 15.67% | 5.76% | -5.32% | -9.27% | -6.70% | 3.92% | 7.64% | +1,296 bps | |
| Loan Growth (YoY) | 34.68% | 14.94% | -0.01% | -12.91% | -12.99% | -17.32% | -12.16% | -6.89% | +602 bps | |
| Deposit Growth (YoY) | 47.86% | 19.33% | 11.47% | 1.44% | -8.69% | -5.48% | -2.01% | -1.09% | -253 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 | 1.11% | 0.70% | 0.45% | 0.59% | 0.00% | 0.52% | 0.00% | -0.01% | -60 bps | |
| Allowance / Loans | 1.26% | 1.19% | 1.44% | 1.40% | 1.43% | 1.25% | 1.19% | 1.21% | -19 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 | 11.00% | 11.16% | 11.67% | 12.30% | 12.65% | 13.16% | 12.28% | 12.74% | +45 bps | |
| Equity / Assets | 7.39% | 7.90% | 8.15% | 8.31% | 8.51% | 8.74% | 13.14% | 15.74% | +743 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.98% | 102.21% | 96.95% | 92.55% | 91.45% | 89.41% | 86.91% | 87.12% | -543 bps | |
| Liquid Assets / Assets | 0.05% | 0.05% | 0.05% | 0.05% | 0.00% | 0.00% | 0.00% | 0.00% | -5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |