Republic, MO · Cert 34808
FDIC
Q3 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.46% | -0.45% | 0.49% | 0.25% | -2.53% | 0.01% | 0.32% | 0.29% | +4 bps | |
| Return on Equity | -14.72% | -3.30% | 3.36% | 1.63% | -16.30% | 0.05% | 2.03% | 1.78% | +15 bps | |
| Net Interest Margin | -6.46% | 3.15% | 3.16% | 3.31% | 3.03% | 3.05% | 3.03% | 2.88% | -42 bps | |
| Efficiency Ratio | 59.87% | 65.45% | 68.50% | 58.86% | 98.67% | 81.30% | 82.13% | 82.30% | +2,344 bps | |
| Non-Interest Burden | -3.49% | 2.20% | 2.30% | 1.87% | 3.25% | 2.96% | 2.71% | 2.54% | +66 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 45.84% | 36.61% | 22.36% | 10.28% | -12.09% | -13.12% | -10.54% | -7.66% | -1,794 bps | |
| Loan Growth (YoY) | 16.53% | 5.37% | -2.66% | -6.53% | -14.93% | -17.88% | -11.02% | -6.48% | +5 bps | |
| Deposit Growth (YoY) | 37.00% | 25.88% | 12.14% | -0.21% | -14.72% | -14.33% | -12.07% | -8.45% | -824 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 | -0.56% | 1.74% | 0.10% | 0.40% | 2.60% | 1.25% | 0.04% | 0.01% | -39 bps | |
| Allowance / Loans | 1.05% | 1.34% | 1.35% | 1.66% | 2.79% | 2.72% | 2.59% | 2.51% | +85 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 | 11.70% | 15.05% | 15.87% | 16.49% | 16.33% | 17.38% | 17.56% | 16.78% | +29 bps | |
| Equity / Assets | 12.68% | 14.50% | 14.79% | 15.40% | 15.59% | 15.90% | 16.12% | 15.96% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.49% | 72.03% | 72.40% | 72.98% | 72.31% | 69.04% | 73.26% | 74.56% | +157 bps | |
| Liquid Assets / Assets | 0.82% | 10.70% | 11.04% | 1.23% | 1.30% | 7.36% | 3.94% | 4.14% | +291 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |