Festus, MO · Charter 65311
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.
Festus, MO · Charter 65311
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 | 0.11% | 0.06% | -0.02% | 0.25% | 0.08% | 0.08% | 0.32% | 0.49% | +23 bps | |
| Return on Equity | 1.05% | 0.57% | -0.23% | 2.28% | 0.73% | 0.69% | 2.75% | 3.73% | +144 bps | |
| Net Interest Margin | 3.38% | 3.41% | 3.40% | 3.48% | 3.33% | 3.52% | 3.53% | 3.89% | +41 bps | |
| Efficiency Ratio | 95.42% | 97.60% | 96.46% | 91.04% | 95.51% | 93.48% | 89.11% | 80.08% | -1,095 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.68% | 2.47% | -0.59% | -1.72% | 0.49% | -3.17% | -2.65% | -11.05% | -934 bps | |
| Loan Growth (YoY) | 21.73% | 38.24% | 34.94% | 21.40% | 14.75% | 2.41% | -4.02% | -3.74% | -2,514 bps | |
| Share Growth (YoY) | 1.76% | 2.68% | -0.62% | -1.95% | 0.42% | -3.71% | -3.39% | -12.80% | -1,084 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.54% | 0.48% | 0.00% | 0.69% | 0.77% | 0.13% | 0.67% | 0.13% | -56 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 | 0.16% | 0.06% | 0.10% | 0.09% | 0.12% | 0.18% | 0.18% | 0.12% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.77% | 10.88% | 10.84% | 11.17% | 10.78% | 11.31% | 11.45% | 13.04% | +187 bps | |
| Net Worth / Assets | 10.77% | 10.88% | 10.84% | 11.17% | 10.78% | 11.31% | 11.45% | 13.04% | +187 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.41% | 77.34% | 79.26% | 77.89% | 77.03% | 82.26% | 78.75% | 85.98% | +809 bps | |
| Liquid Assets / Assets | 3.74% | 0.00% | 12.03% | 20.41% | 21.04% | 0.00% | 0.00% | 0.00% | -2,041 bps | |