Jefferson City, MO · Charter 67690
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 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.
Jefferson City, MO · Charter 67690
Q2 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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.95% | 1.75% | -1.19% | 2.11% | 0.10% | 1.42% | -49.57% | -23.89% | -2,599 bps | |
| Return on Equity | 17.52% | 15.06% | -10.72% | 18.71% | 0.90% | 10.61% | -1201% | -480% | -49,874 bps | |
| Net Interest Margin | 4.01% | 3.95% | 4.37% | 4.30% | 4.51% | 5.36% | 5.36% | 5.51% | +121 bps | |
| Efficiency Ratio | 48.80% | 55.79% | 53.37% | 51.08% | 62.18% | 74.02% | 124.55% | 85.10% | +3,401 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.24% | 11.79% | -1.40% | -3.65% | -11.87% | -22.19% | -22.90% | -25.75% | -2,210 bps | |
| Loan Growth (YoY) | 20.81% | 21.80% | 24.10% | 26.84% | 15.61% | 8.98% | 4.58% | -17.33% | -4,416 bps | |
| Share Growth (YoY) | 8.09% | 10.75% | -1.40% | -4.04% | -13.08% | -23.17% | -17.33% | -19.73% | -1,569 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.08% | 7.16% | 14.54% | 12.94% | 11.12% | 13.83% | 18.19% | 17.04% | +410 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 | 0.78% | 0.89% | 3.97% | 0.93% | 0.59% | 0.69% | 12.48% | 10.90% | +998 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.16% | 11.61% | 11.11% | 11.25% | 11.64% | 13.41% | 4.13% | 4.98% | -628 bps | |
| Net Worth / Assets | 11.16% | 11.61% | 11.11% | 11.25% | 11.64% | 13.41% | 4.13% | 4.98% | -628 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.62% | 70.51% | 76.74% | 83.35% | 89.94% | 100.01% | 97.08% | 85.85% | +250 bps | |
| Liquid Assets / Assets | 38.17% | 35.83% | 31.78% | 23.78% | 17.91% | 10.84% | 6.63% | 0.00% | -2,378 bps | |