Berkeley, MO · Charter 65033
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 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.
Berkeley, MO · Charter 65033
Q1 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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.30% | 0.12% | -1.33% | 8.30% | 5.01% | 3.25% | 1.63% | -60.89% | -6,919 bps | |
| Return on Equity | -2.73% | 0.95% | -11.78% | 60.26% | 31.47% | 20.72% | 10.90% | n/a | n/a | |
| Net Interest Margin | 2.59% | 3.07% | 2.90% | 2.54% | 2.96% | 2.76% | 2.55% | -49.29% | -5,182 bps | |
| Efficiency Ratio | 81.63% | 75.35% | 80.18% | 85.11% | 83.41% | 88.80% | 94.60% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.95% | -19.52% | -17.74% | -15.61% | -24.42% | -12.72% | -15.61% | -13.77% | +185 bps | |
| Loan Growth (YoY) | -7.29% | -20.96% | -12.73% | -10.16% | -12.23% | -12.95% | -21.17% | -12.19% | -203 bps | |
| Share Growth (YoY) | -13.70% | -25.49% | -18.58% | -18.45% | -29.60% | -12.94% | -20.43% | 0.01% | +1,845 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.83% | 9.26% | 6.18% | 5.24% | 0.08% | 0.42% | 0.00% | 3.51% | -174 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 | 0.90% | 0.99% | 2.90% | 0.34% | 0.37% | 0.43% | 1.52% | 1.98% | +164 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.17% | 13.01% | 11.27% | 13.77% | 15.91% | 15.67% | 14.98% | 0.00% | -1,377 bps | |
| Net Worth / Assets | 11.17% | 13.01% | 11.27% | 13.77% | 15.91% | 15.67% | 14.98% | 0.00% | -1,377 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.77% | 89.54% | 83.15% | 83.24% | 96.95% | 89.53% | 82.37% | 73.09% | -1,016 bps | |
| Liquid Assets / Assets | 11.26% | 3.35% | 24.10% | 11.51% | 0.00% | 0.00% | 0.00% | 0.00% | -1,151 bps | |