Carrollton, MO · Cert 4530
FDIC
Q3 2013
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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 0.89% | 0.83% | 0.86% | 0.78% | 0.68% | 0.61% | 0.44% | -42 bps | |
| Return on Equity | 9.77% | 8.60% | 7.72% | 7.87% | 7.29% | 6.96% | 6.26% | 4.53% | -333 bps | |
| Net Interest Margin | 2.70% | 2.33% | 2.54% | 2.57% | 2.30% | 2.05% | 2.02% | 2.15% | -41 bps | |
| Efficiency Ratio | 63.82% | 67.63% | 70.22% | 69.03% | 71.24% | 71.85% | 73.51% | 81.02% | +1,199 bps | |
| Non-Interest Burden | 1.63% | 1.50% | 1.71% | 1.69% | 1.57% | 1.40% | 1.42% | 1.69% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.15% | 0.14% | -10.21% | 1.47% | 2.50% | 9.37% | 13.61% | 3.38% | +191 bps | |
| Loan Growth (YoY) | -12.66% | -13.99% | -8.65% | -8.25% | -1.88% | 1.08% | -5.34% | -5.15% | +310 bps | |
| Deposit Growth (YoY) | -0.26% | -0.16% | -13.19% | 1.89% | 3.24% | 12.06% | 21.16% | 6.59% | +470 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 | 0.44% | 0.00% | 0.06% | 0.03% | 0.03% | 0.00% | 0.00% | 0.00% | -3 bps | |
| Allowance / Loans | 2.16% | 2.40% | 2.27% | 2.28% | 2.16% | 2.34% | 2.40% | 2.39% | +11 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 | 23.35% | 25.31% | 25.26% | 24.61% | 22.91% | 24.09% | 24.54% | 24.45% | -16 bps | |
| Equity / Assets | 9.92% | 10.78% | 11.73% | 11.31% | 9.70% | 9.74% | 9.55% | 10.02% | -129 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 34.47% | 33.31% | 39.36% | 35.87% | 32.76% | 30.05% | 30.75% | 31.92% | -395 bps | |
| Liquid Assets / Assets | 13.05% | 13.47% | 15.33% | 14.34% | 14.22% | 14.64% | 14.26% | 11.13% | -321 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |