Lees Summit, MO · Cert 57842
FDIC
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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.
Lees Summit, MO · Cert 57842
FDIC
Q3 2012
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.19% | -2.08% | -4.38% | -3.50% | -4.79% | 0.22% | 0.15% | -1.80% | +169 bps | |
| Return on Equity | -15.44% | -28.94% | -64.61% | -53.85% | -79.80% | 5.88% | 3.96% | -49.15% | +470 bps | |
| Net Interest Margin | 2.86% | 2.35% | 2.52% | 2.63% | 2.72% | 2.60% | 2.72% | 2.80% | +16 bps | |
| Efficiency Ratio | 80.79% | 156.41% | 131.19% | 109.12% | 122.30% | 95.40% | 96.55% | 166.00% | +5,688 bps | |
| Non-Interest Burden | 2.30% | 3.70% | 3.44% | 2.94% | 3.41% | 2.48% | 2.61% | 4.76% | +182 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.65% | 2.13% | -6.68% | -18.29% | -22.34% | -15.24% | -20.10% | -24.12% | -583 bps | |
| Loan Growth (YoY) | -2.22% | -10.94% | -16.59% | -18.77% | -28.13% | -28.90% | -39.08% | -46.05% | -2,728 bps | |
| Deposit Growth (YoY) | 23.57% | 2.45% | -5.48% | -17.70% | -16.74% | -8.79% | -15.52% | -18.89% | -119 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 | 0.46% | 1.31% | 3.65% | 3.36% | 7.88% | -0.16% | -0.48% | 4.80% | +144 bps | |
| Allowance / Loans | 3.28% | 3.43% | 4.66% | 5.08% | 4.33% | 4.71% | 6.14% | 3.26% | -182 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 | 10.21% | 9.85% | 8.00% | 7.63% | 4.94% | 5.25% | 6.59% | 6.44% | -119 bps | |
| Equity / Assets | 7.16% | 7.22% | 5.91% | 5.55% | 3.72% | 3.73% | 4.17% | 2.99% | -256 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.87% | 80.42% | 76.05% | 76.22% | 68.09% | 62.70% | 54.83% | 50.70% | -2,552 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.86% | 1.42% | 1.67% | 0.90% | 1.27% | 8.79% | +737 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |