Jefferson City, MO · Charter 64633
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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.
Jefferson City, MO · Charter 64633
Q3 2009
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.23% | 0.48% | -0.58% | -2.25% | -2.39% | -4.31% | -1.05% | -6.73% | -448 bps | |
| Return on Equity | -2.30% | 4.79% | -5.98% | -28.67% | -31.31% | -66.52% | -15.05% | -81.67% | -5,300 bps | |
| Net Interest Margin | 4.43% | 4.29% | 4.05% | 4.00% | 4.17% | 3.92% | 3.84% | 3.96% | -4 bps | |
| Efficiency Ratio | 91.38% | 92.60% | 99.24% | 100.52% | 103.78% | 92.47% | 93.15% | 174.84% | +7,432 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.09% | -4.45% | -3.59% | -2.16% | -1.31% | -1.68% | -3.90% | -7.12% | -495 bps | |
| Loan Growth (YoY) | -2.52% | -10.25% | -13.31% | -20.44% | -25.62% | -25.66% | -26.76% | -25.05% | -460 bps | |
| Share Growth (YoY) | -3.02% | -4.40% | -2.97% | 0.53% | 1.80% | 2.13% | -1.30% | -2.33% | -287 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.70% | 3.58% | 2.62% | 2.07% | 1.58% | 2.36% | 0.86% | 1.72% | -35 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 | 1.34% | 1.64% | 2.20% | 4.60% | 2.67% | 3.93% | 3.19% | 2.44% | -216 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.11% | 10.06% | 9.69% | 7.85% | 7.65% | 6.47% | 7.00% | 8.24% | +40 bps | |
| Net Worth / Assets | 10.11% | 10.06% | 9.69% | 7.85% | 7.65% | 6.47% | 7.00% | 8.24% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.52% | 62.34% | 57.52% | 52.22% | 50.79% | 45.37% | 42.68% | 40.07% | -1,214 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |