Mount Vernon, MO · Cert 4555
FDIC
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Mount Vernon, MO · Cert 4555
FDIC
Q2 2006
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.15% | 1.82% | 1.56% | 1.68% | 1.65% | 1.68% | 1.67% | 2.18% | +50 bps | |
| Return on Equity | 16.51% | 14.28% | 13.54% | 14.63% | 14.31% | 14.53% | 15.13% | 19.85% | +522 bps | |
| Net Interest Margin | 4.04% | 3.97% | 3.74% | 4.01% | 4.19% | 4.14% | 4.02% | 4.05% | +4 bps | |
| Efficiency Ratio | 58.39% | 61.87% | 64.79% | 62.73% | 62.61% | 62.01% | 61.23% | 60.14% | -260 bps | |
| Non-Interest Burden | 1.53% | 1.87% | 2.11% | 2.16% | 2.27% | 2.22% | 2.16% | 2.13% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.50% | 1.71% | 5.32% | 6.75% | 6.81% | -5.42% | 10.66% | 10.33% | +359 bps | |
| Loan Growth (YoY) | -0.12% | 6.45% | 12.42% | 13.15% | 10.98% | 11.40% | 9.68% | 7.48% | -567 bps | |
| Deposit Growth (YoY) | -9.55% | -1.45% | 16.33% | 19.54% | 14.22% | -2.37% | 14.63% | 11.59% | -794 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 | 0.28% | 0.23% | 0.04% | 0.03% | 0.03% | 0.03% | 0.01% | 0.00% | -3 bps | |
| Allowance / Loans | 0.72% | 0.73% | 0.73% | 0.74% | 0.80% | 0.88% | 0.93% | 0.93% | +19 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 | 18.39% | 17.01% | 16.11% | 16.00% | 15.84% | 15.53% | 15.13% | 15.59% | -41 bps | |
| Equity / Assets | 13.33% | 11.64% | 11.35% | 11.51% | 11.65% | 11.66% | 10.48% | 10.86% | -64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.12% | 84.75% | 88.91% | 89.72% | 93.39% | 96.70% | 85.07% | 86.41% | -330 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 5.43% | 5.07% | 2.89% | 0.33% | 8.71% | 3.39% | -168 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |