Columbia, MO · Cert 35002
FDIC
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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.
Columbia, MO · Cert 35002
FDIC
Q4 2012
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 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.58% | 0.62% | 0.57% | 0.51% | 0.48% | 0.55% | -0.40% | -98 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 2.60% | 2.67% | 2.73% | 1.28% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 67.61% | 69.78% | 66.57% | 167.92% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | 1.75% | 1.86% | 1.81% | 2.24% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.44% | -4.01% | -5.67% | -4.70% | -3.69% | -7.44% | -5.79% | -16.26% | -1,157 bps | |
| Loan Growth (YoY) | 5.01% | 5.40% | 1.37% | -1.99% | -4.77% | -5.24% | -2.84% | -12.36% | -1,037 bps | |
| Deposit Growth (YoY) | 10.03% | -7.21% | 4.99% | -3.04% | 0.92% | -6.03% | -29.74% | -44.90% | -4,186 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 | n/a | n/a | n/a | n/a | -0.01% | 0.07% | 0.06% | 0.08% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | 1.42% | 1.40% | 1.39% | 1.15% | n/a | |
| 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 | n/a | n/a | n/a | n/a | 15.15% | 15.66% | 15.94% | 16.55% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | 10.50% | 11.04% | 11.45% | 11.81% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 146.18% | 144.87% | 142.65% | 138.94% | 137.93% | 146.09% | 197.26% | 221% | +8,205 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 4.94% | 2.75% | 0.18% | 0.22% | +22 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |