Raytown, MO · Charter 64147
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 2011, 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.
Raytown, MO · Charter 64147
Q4 2011
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 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | -0.65% | -4.73% | -2.93% | 0.91% | 0.23% | -0.16% | -2.11% | +82 bps | |
| Return on Equity | 2.84% | -7.28% | -65.26% | -46.09% | 22.39% | 5.79% | -4.37% | -112.41% | -6,631 bps | |
| Net Interest Margin | 4.60% | 4.52% | 3.90% | 4.04% | 4.01% | 4.03% | 3.99% | 4.10% | +5 bps | |
| Efficiency Ratio | 96.96% | 107.84% | 149.51% | 139.97% | 108.89% | 104.66% | 110.90% | 107.02% | -3,295 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.53% | 0.18% | 1.26% | 0.27% | -0.63% | 1.97% | -2.82% | -5.87% | -614 bps | |
| Loan Growth (YoY) | -12.42% | -9.42% | -13.14% | -3.59% | -9.37% | -7.58% | -1.76% | -12.18% | -859 bps | |
| Share Growth (YoY) | -1.92% | 1.01% | 2.92% | 3.43% | 5.47% | 7.68% | 1.13% | -1.16% | -459 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.97% | 7.70% | 6.48% | 3.75% | 3.70% | 3.83% | 7.91% | 2.70% | -104 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 | 0.62% | 0.49% | 1.13% | 1.17% | 3.20% | 3.29% | 3.22% | 3.54% | +237 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.49% | 8.87% | 7.26% | 6.36% | 4.04% | 3.92% | 3.68% | 1.87% | -448 bps | |
| Net Worth / Assets | 9.49% | 8.87% | 7.26% | 6.36% | 4.04% | 3.92% | 3.68% | 1.87% | -448 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.50% | 66.58% | 58.96% | 62.06% | 57.14% | 57.15% | 57.27% | 55.15% | -691 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |