Republic, MO · Cert 34743
FDIC
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 0.78% | 0.63% | 0.66% | 0.62% | 0.38% | 0.13% | -2.62% | -328 bps | |
| Return on Equity | 9.58% | 10.90% | 8.64% | 9.17% | 8.55% | 5.11% | 1.81% | -37.60% | -4,677 bps | |
| Net Interest Margin | 3.31% | 3.36% | 3.26% | 3.25% | 3.20% | 3.08% | 2.88% | 2.71% | -54 bps | |
| Efficiency Ratio | 69.64% | 66.59% | 72.22% | 68.29% | 69.91% | 77.40% | 83.53% | 131.62% | +6,333 bps | |
| Non-Interest Burden | 2.17% | 2.09% | 2.24% | 2.09% | 2.12% | 2.29% | 2.35% | 3.34% | +125 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.63% | 9.83% | 4.13% | 7.79% | 4.46% | 4.50% | 5.71% | -1.31% | -911 bps | |
| Loan Growth (YoY) | 5.50% | -3.03% | 2.14% | 3.09% | 3.01% | 10.35% | 6.18% | 1.79% | -130 bps | |
| Deposit Growth (YoY) | 11.34% | 10.44% | 3.16% | 6.17% | 2.79% | 3.93% | 6.69% | -0.29% | -645 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 | 0.02% | 0.09% | 0.02% | 0.11% | 0.03% | 0.21% | 0.44% | 1.85% | +174 bps | |
| Allowance / Loans | 1.01% | 1.04% | 1.01% | 1.01% | 1.01% | 1.00% | 1.01% | 1.30% | +30 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 | 11.20% | 11.67% | 11.66% | 11.42% | 11.44% | 11.26% | 11.24% | 10.70% | -72 bps | |
| Equity / Assets | 7.06% | 7.22% | 7.28% | 7.11% | 7.36% | 7.47% | 7.35% | 6.60% | -51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.63% | 76.70% | 78.70% | 77.58% | 80.79% | 81.44% | 78.32% | 79.20% | +161 bps | |
| Liquid Assets / Assets | 0.34% | 0.35% | 0.35% | 0.33% | 0.45% | 0.23% | 0.14% | 0.03% | -30 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |