Springfield, MO · Charter 61427
Q2 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.07% | -0.23% | -1.94% | -0.94% | -0.94% | -1.68% | -2.77% | -8.56% | -762 bps | |
| Return on Equity | -0.76% | -2.41% | -24.30% | -11.49% | -11.34% | -19.70% | -26.58% | -164.33% | -15,284 bps | |
| Net Interest Margin | 4.20% | 4.96% | 4.81% | 4.96% | 4.95% | 5.53% | 4.54% | 5.06% | +10 bps | |
| Efficiency Ratio | 109.53% | 98.16% | 108.12% | 104.41% | 102.18% | 110.91% | 149.75% | 229% | +12,436 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.79% | -6.13% | -3.27% | -8.23% | -7.30% | -14.41% | -17.03% | -23.68% | -1,544 bps | |
| Loan Growth (YoY) | 11.87% | 10.08% | 10.64% | 3.69% | 2.95% | -6.85% | -14.34% | -12.36% | -1,605 bps | |
| Share Growth (YoY) | 0.89% | -5.95% | -5.43% | -3.46% | -10.39% | -13.43% | -18.88% | -23.80% | -2,033 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.19% | 1.30% | 0.55% | 1.50% | 2.67% | 3.18% | 2.46% | 6.73% | +523 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.87% | 0.92% | 1.30% | 1.40% | 1.60% | 1.49% | 1.57% | 1.47% | +7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.17% | 9.41% | 8.00% | 8.20% | 8.28% | 8.53% | 10.43% | 5.21% | -299 bps | |
| Net Worth / Assets | 9.17% | 9.41% | 8.00% | 8.20% | 8.28% | 8.53% | 10.43% | 5.21% | -299 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.42% | 69.23% | 71.01% | 69.28% | 72.86% | 74.49% | 74.99% | 79.67% | +1,040 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |