Jefferson City, MO · Cert 4542
FDIC
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 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.
Jefferson City, MO · Cert 4542
FDIC
Q3 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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.22% | 1.40% | 1.44% | 1.48% | 1.48% | 1.49% | 1.50% | 1.50% | +3 bps | |
| Return on Equity | 12.99% | 14.05% | 14.48% | 14.65% | 14.49% | 13.77% | 14.03% | 14.19% | -46 bps | |
| Net Interest Margin | 3.55% | 3.73% | 3.80% | 3.91% | 3.96% | 3.83% | 3.87% | 3.74% | -17 bps | |
| Efficiency Ratio | 50.96% | 50.53% | 49.90% | 49.36% | 49.47% | 50.40% | 49.82% | 49.72% | +36 bps | |
| Non-Interest Burden | 1.43% | 1.50% | 1.48% | 1.49% | 1.52% | 1.50% | 1.49% | 1.45% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.16% | -9.23% | -8.99% | -10.85% | -2.52% | -8.19% | 0.12% | 3.12% | +1,397 bps | |
| Loan Growth (YoY) | 2.18% | 2.24% | -2.03% | -5.96% | -6.32% | -5.68% | -0.30% | 7.22% | +1,318 bps | |
| Deposit Growth (YoY) | -3.74% | -12.13% | -9.20% | -6.88% | -1.86% | -0.78% | 3.67% | 7.65% | +1,453 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 | 0.13% | 0.04% | 0.21% | 0.16% | 0.28% | 0.08% | 0.05% | 0.06% | -10 bps | |
| Allowance / Loans | 1.30% | 1.34% | 1.33% | 1.45% | 1.36% | 1.36% | 1.35% | 1.33% | -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 | 12.88% | 12.72% | 12.99% | 13.53% | 13.76% | 13.74% | 13.34% | 13.21% | -32 bps | |
| Equity / Assets | 10.21% | 9.69% | 10.05% | 10.37% | 10.77% | 10.90% | 10.37% | 10.36% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.86% | 98.51% | 95.69% | 92.67% | 92.45% | 93.64% | 92.03% | 92.30% | -37 bps | |
| Liquid Assets / Assets | 0.16% | 0.09% | 0.11% | 0.05% | 0.20% | 0.14% | 0.10% | 0.05% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |