Imperial, MO · Charter 67731
Q3 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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.99% | 2.34% | 0.49% | -0.16% | -0.45% | -1.60% | -2.39% | -0.93% | -78 bps | |
| Return on Equity | -2.54% | 5.94% | 1.23% | -0.39% | -1.15% | -4.01% | -6.04% | -2.30% | -191 bps | |
| Net Interest Margin | 3.53% | 3.67% | 3.56% | 3.33% | 3.36% | 3.20% | 2.88% | 2.64% | -69 bps | |
| Efficiency Ratio | 127.64% | 119.32% | 129.66% | 135.72% | 136.67% | 149.77% | 124.95% | 136.49% | +77 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -20.32% | -18.08% | -19.17% | -19.98% | -2.66% | -5.01% | -4.83% | -5.01% | +1,497 bps | |
| Loan Growth (YoY) | -2.65% | -4.29% | -8.25% | -15.59% | -37.38% | -19.73% | -12.99% | -6.76% | +883 bps | |
| Share Growth (YoY) | -28.62% | -26.34% | -27.96% | -28.86% | -4.06% | -6.35% | -5.39% | -7.06% | +2,180 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.59% | 7.42% | 21.36% | 25.31% | 21.92% | 23.86% | 24.71% | 6.24% | -1,906 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 | 3.24% | 2.74% | 3.75% | 4.70% | 6.46% | 5.41% | 6.91% | 5.42% | +72 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 38.79% | 39.37% | 39.52% | 39.53% | 39.39% | 39.97% | 39.61% | 40.56% | +103 bps | |
| Net Worth / Assets | 38.79% | 39.37% | 39.52% | 39.53% | 39.39% | 39.97% | 39.61% | 40.56% | +103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 111.45% | 107.59% | 98.37% | 89.37% | 72.75% | 92.22% | 90.46% | 89.66% | +29 bps | |
| Liquid Assets / Assets | 30.58% | 32.85% | 39.40% | 45.67% | 56.38% | 45.40% | 0.00% | 0.00% | -4,567 bps | |