Joplin, MO · Charter 64263
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 2006, 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.
Joplin, MO · Charter 64263
Q4 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.46% | 0.20% | -0.05% | -0.15% | 0.15% | 0.33% | 0.28% | +32 bps | |
| Return on Equity | 5.29% | 5.31% | 2.43% | -0.55% | -1.86% | 1.83% | 3.83% | 3.17% | +371 bps | |
| Net Interest Margin | 3.40% | 3.47% | 3.44% | 3.62% | 3.75% | 3.96% | 4.16% | 4.24% | +62 bps | |
| Efficiency Ratio | 90.16% | 90.39% | 95.72% | 99.65% | 103.18% | 94.79% | 92.22% | 90.67% | -898 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.75% | -1.70% | 2.58% | 0.63% | 0.51% | 2.02% | -5.05% | -2.83% | -345 bps | |
| Loan Growth (YoY) | 12.33% | 3.57% | -6.52% | -6.50% | -6.39% | -2.41% | -2.72% | 0.37% | +687 bps | |
| Share Growth (YoY) | 0.52% | -1.50% | 4.37% | 0.67% | 0.72% | 2.01% | -5.59% | -3.39% | -407 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.34% | 0.88% | 0.47% | 0.41% | 0.32% | 0.16% | 0.00% | 1.75% | +134 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 | 0.40% | 0.45% | 0.46% | 0.37% | 0.31% | 0.23% | 0.24% | 0.49% | +11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.27% | 8.68% | 8.14% | 8.28% | 8.04% | 8.24% | 8.66% | 8.81% | +52 bps | |
| Net Worth / Assets | 8.27% | 8.68% | 8.14% | 8.28% | 8.04% | 8.24% | 8.66% | 8.81% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.46% | 71.42% | 68.00% | 68.83% | 66.41% | 68.33% | 70.07% | 71.51% | +268 bps | |
| Liquid Assets / Assets | 26.24% | 24.98% | 30.36% | 27.93% | 25.08% | 0.00% | 0.00% | 0.00% | -2,793 bps | |