Liberty, MO · Cert 57651
FDIC
Q1 2013
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Liberty, MO · Cert 57651
FDIC
Q1 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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.22% | -11.05% | -9.67% | -0.05% | -1.52% | -0.40% | -1.04% | -0.25% | -20 bps | |
| Return on Equity | -1.25% | -68.84% | -64.89% | -0.48% | -16.22% | -4.23% | -11.21% | -2.89% | -241 bps | |
| Net Interest Margin | 3.31% | 3.35% | 3.67% | 3.37% | 3.29% | 3.34% | 3.22% | 2.86% | -51 bps | |
| Efficiency Ratio | 94.48% | 93.18% | 132.84% | 95.57% | 150.36% | 104.76% | 127.69% | 104.82% | +925 bps | |
| Non-Interest Burden | 3.17% | 13.96% | 13.69% | 3.28% | 4.67% | 3.61% | 4.11% | 3.11% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.38% | -15.89% | -15.61% | -10.22% | -9.19% | 0.20% | 2.18% | 0.15% | +1,037 bps | |
| Loan Growth (YoY) | -13.89% | -17.45% | -12.96% | -18.67% | -17.50% | -13.11% | -16.81% | -13.36% | +531 bps | |
| Deposit Growth (YoY) | -6.19% | -9.22% | -8.15% | -1.39% | 0.90% | 1.99% | 3.52% | 1.52% | +291 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 | 0.82% | 0.71% | 0.60% | 0.36% | 0.56% | 0.71% | 0.56% | 0.32% | -3 bps | |
| Allowance / Loans | 1.19% | 1.37% | 1.43% | 1.51% | 1.41% | 1.26% | 1.41% | 1.38% | -13 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 | 13.07% | 13.81% | 12.86% | 13.55% | 12.68% | 13.58% | 13.39% | 13.14% | -40 bps | |
| Equity / Assets | 18.00% | 11.02% | 9.73% | 9.53% | 8.88% | 9.50% | 8.63% | 8.44% | -110 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.91% | 76.36% | 74.30% | 66.49% | 65.33% | 65.05% | 59.71% | 56.74% | -975 bps | |
| Liquid Assets / Assets | 7.74% | 9.94% | 12.09% | 19.09% | 18.45% | 17.57% | 21.90% | 25.62% | +653 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |