Dexter, MO · Charter 65255
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.
Dexter, MO · Charter 65255
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 | 0.32% | 0.39% | 0.06% | -0.52% | -0.62% | -2.71% | -1.69% | -3.16% | -264 bps | |
| Return on Equity | 2.46% | 2.81% | 0.45% | -4.20% | -3.91% | -17.63% | -12.15% | -21.98% | -1,778 bps | |
| Net Interest Margin | 4.12% | 4.34% | 4.59% | 4.07% | 5.26% | 5.52% | 4.97% | 5.38% | +131 bps | |
| Efficiency Ratio | 93.36% | 92.03% | 98.77% | 112.30% | 109.83% | 114.01% | 110.20% | 119.25% | +695 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.14% | 8.22% | 8.38% | 12.70% | -21.62% | -21.61% | -21.20% | -31.72% | -4,442 bps | |
| Loan Growth (YoY) | -14.91% | -9.15% | -5.55% | 48.62% | 58.15% | 51.18% | 34.65% | -14.23% | -6,285 bps | |
| Share Growth (YoY) | 9.07% | 10.03% | 9.42% | 15.37% | -24.00% | -21.27% | -21.69% | -32.79% | -4,816 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.46% | 2.08% | 2.26% | 1.94% | 0.41% | 4.84% | 4.68% | 2.55% | +61 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 | 3.20% | 3.22% | 3.14% | 2.02% | 0.76% | 1.91% | 2.10% | 3.06% | +104 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.04% | 13.96% | 12.96% | 12.26% | 15.88% | 15.38% | 13.91% | 14.36% | +210 bps | |
| Net Worth / Assets | 13.04% | 13.96% | 12.96% | 12.26% | 15.88% | 15.38% | 13.91% | 14.36% | +210 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.58% | 52.42% | 49.68% | 69.40% | 103.18% | 100.67% | 85.41% | 88.57% | +1,917 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |