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Liberty First Bank

Liberty, MO · Cert 57651

FDIC

Q1 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2013, the quarter ended March 31, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Liberty First Bank

Liberty, MO · Cert 57651

FDIC

Q1 2013

$88.0MAssets
$45.6MLoans
$80.4MDeposits
$7.4MEquity
Loan mix
81%RE $30.8M17%C&I $6.5M2%Consumer $0.7MQ1 2012Q1 2013
Deposit mix
58%Interest-bearing $47.0M42%Noninterest $33.4MQ1 2012Q1 2013

NIM

3.78%Q1 ’113.78%Q1 ’123.10%Q1 ’13+7%-15%

Non-interest income vs. expense

3.79%Q1 ’114.02%Q1 ’123.60%Q1 ’13+4%-5%

Executive Summary

  • Earnings: ROA of -0.25%, down 20 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.32%.
  • Funding: loans stand at 56.74% of deposits as of Q1 2013.

Financial Results

Return on Assets (YTD, annualized)

-0.25%-20 bps YoY

Net Interest Margin (YTD, annualized)

2.86%-51 bps YoY

Efficiency Ratio (YTD, annualized)

104.82%+925 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets-0.05%-1.52%-0.40%-1.04%-0.25%-20 bps
Return on Equity-0.48%-16.22%-4.23%-11.21%-2.89%-241 bps
Net Interest Margin3.37%3.29%3.34%3.22%2.86%-51 bps
Efficiency Ratio95.57%150.36%104.76%127.69%104.82%+925 bps
Non-Interest Burden3.28%4.67%3.61%4.11%3.11%-17 bps
Growth
Asset Growth (YoY)-10.22%-9.19%0.20%2.18%0.15%+1,037 bps
Loan Growth (YoY)-18.67%-17.50%-13.11%-16.81%-13.36%+531 bps
Deposit Growth (YoY)-1.39%0.90%1.99%3.52%1.52%+291 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.36%0.56%0.71%0.56%0.32%-3 bps
Allowance / Loans1.51%1.41%1.26%1.41%1.38%-13 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital13.55%12.68%13.58%13.39%13.14%-40 bps
Equity / Assets9.53%8.88%9.50%8.63%8.44%-110 bps
Liquidity & Funding
Loans / Deposits66.49%65.33%65.05%59.71%56.74%-975 bps
Liquid Assets / Assets19.09%18.45%17.57%21.90%25.62%+653 bps
CRE / Total Capitaln/an/an/an/an/an/an/a