Pleasant Valley, MO · Charter 62214
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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.
Pleasant Valley, MO · Charter 62214
Q3 2007
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.14% | 0.89% | 1.07% | 1.13% | 0.91% | 1.27% | 1.13% | 0.64% | -49 bps | |
| Return on Equity | 9.01% | 7.18% | 8.54% | 8.80% | 7.03% | 10.00% | 8.80% | 4.82% | -397 bps | |
| Net Interest Margin | 3.41% | 3.45% | 3.45% | 3.51% | 3.69% | 3.60% | 3.61% | 3.73% | +22 bps | |
| Efficiency Ratio | 73.83% | 77.18% | 74.76% | 74.23% | 74.73% | 74.40% | 76.56% | 78.05% | +382 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.37% | 5.53% | 9.51% | 5.51% | 2.03% | 2.34% | 1.95% | -1.72% | -724 bps | |
| Loan Growth (YoY) | -0.27% | -2.62% | 3.18% | -0.24% | 0.75% | 0.10% | 0.41% | 1.04% | +128 bps | |
| Share Growth (YoY) | 6.42% | 1.59% | 5.65% | 6.38% | 2.61% | 3.70% | 3.65% | -0.21% | -659 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.28% | 1.70% | 1.54% | 1.30% | 1.13% | 1.00% | 0.71% | 0.57% | -74 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 | 1.19% | 1.34% | 1.39% | 1.34% | 1.56% | 1.41% | 1.37% | 1.35% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.67% | 12.36% | 12.51% | 12.85% | 12.96% | 12.70% | 12.83% | 13.23% | +38 bps | |
| Net Worth / Assets | 12.67% | 12.36% | 12.51% | 12.85% | 12.96% | 12.70% | 12.83% | 13.23% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.51% | 89.80% | 88.41% | 90.39% | 93.77% | 86.68% | 85.64% | 91.52% | +113 bps | |
| Liquid Assets / Assets | 12.05% | 15.98% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |