Lamar, MO · Cert 4581
FDIC
Q3 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | -0.55% | 1.63% | 1.31% | 1.43% | 1.78% | 1.88% | 2.03% | +72 bps | |
| Return on Equity | 8.18% | -5.12% | 15.99% | 12.97% | 13.94% | 18.15% | 19.61% | 19.67% | +670 bps | |
| Net Interest Margin | 4.37% | 3.80% | 3.99% | 3.72% | 3.77% | 4.12% | 3.78% | 4.35% | +62 bps | |
| Efficiency Ratio | 69.37% | 65.49% | 61.98% | 62.00% | 58.94% | 59.59% | 65.19% | 60.21% | -179 bps | |
| Non-Interest Burden | 2.84% | 2.25% | 2.23% | 2.06% | 1.94% | 2.17% | 2.16% | 2.31% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.87% | -1.76% | -2.10% | 0.71% | 1.10% | -0.53% | -4.39% | -4.77% | -548 bps | |
| Loan Growth (YoY) | -0.51% | -1.30% | 0.64% | -2.31% | -2.19% | -4.01% | -5.29% | -5.29% | -297 bps | |
| Deposit Growth (YoY) | -7.65% | -3.80% | -2.64% | 1.16% | 1.86% | 1.13% | -4.78% | -5.87% | -703 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 | 0.03% | 0.87% | 0.10% | 0.73% | 0.96% | -0.84% | -0.06% | -0.01% | -74 bps | |
| Allowance / Loans | 1.40% | 1.30% | 1.27% | 1.22% | 1.09% | 1.36% | 1.35% | 1.37% | +16 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 | 16.29% | 16.46% | 14.62% | 15.20% | 15.56% | 14.78% | 15.27% | 16.15% | +95 bps | |
| Equity / Assets | 10.77% | 10.51% | 9.90% | 10.23% | 10.36% | 9.27% | 9.89% | 10.76% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.30% | 90.56% | 93.33% | 94.37% | 92.47% | 85.95% | 92.83% | 94.96% | +59 bps | |
| Liquid Assets / Assets | 0.61% | 0.03% | 1.11% | 1.16% | 1.16% | 1.08% | 0.07% | 0.10% | -107 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |