Hannibal, MO · Charter 67795
Q1 2012
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 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.26% | -1.43% | -2.58% | -1.04% | 1.04% | -0.33% | -0.09% | -8.68% | -764 bps | |
| Return on Equity | -7.41% | -9.04% | -18.21% | -6.52% | 5.98% | -2.00% | -0.50% | -56.42% | -4,990 bps | |
| Net Interest Margin | 2.16% | 2.83% | 2.78% | 2.71% | 3.29% | 3.19% | 3.39% | 3.20% | +48 bps | |
| Efficiency Ratio | 102.86% | 97.30% | 90.58% | 113.81% | 82.82% | 99.96% | 99.11% | 93.84% | -1,996 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 29.43% | 26.04% | 15.12% | -8.38% | -10.61% | -13.73% | -18.58% | -8.10% | +29 bps | |
| Loan Growth (YoY) | 1.94% | 8.18% | 4.13% | -9.41% | -10.44% | -12.55% | -11.73% | -9.92% | -50 bps | |
| Share Growth (YoY) | 36.58% | 34.39% | 22.51% | -6.88% | -10.79% | -14.13% | -21.68% | -7.37% | -49 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.60% | 10.43% | 6.52% | 3.59% | 8.45% | 9.50% | 7.58% | 1.66% | -193 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 | 2.78% | 3.65% | 1.20% | 1.48% | 2.41% | 3.50% | 3.49% | 2.91% | +143 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.07% | 15.83% | 14.18% | 15.95% | 17.42% | 16.36% | 17.39% | 15.38% | -57 bps | |
| Net Worth / Assets | 17.07% | 15.83% | 14.18% | 15.95% | 17.42% | 16.36% | 17.39% | 15.38% | -57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.46% | 55.20% | 49.07% | 55.11% | 59.69% | 56.21% | 55.30% | 53.60% | -152 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |