Arnold, MO · Charter 67952
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 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.
Arnold, MO · Charter 67952
Q3 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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.72% | -1.76% | -1.68% | -5.92% | -2.69% | -1.87% | -1.68% | -1.98% | +394 bps | |
| Return on Equity | -8.85% | -8.69% | -8.50% | -31.54% | -14.73% | -10.67% | -10.23% | -15.00% | +1,653 bps | |
| Net Interest Margin | 3.67% | 3.85% | 3.68% | 3.03% | 2.76% | 2.39% | 2.19% | 2.27% | -76 bps | |
| Efficiency Ratio | 81.44% | 89.31% | 96.00% | 135.94% | 130.23% | 172.85% | 176.14% | 187.14% | +5,120 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.38% | -11.93% | -2.88% | -9.60% | -8.71% | -4.00% | -0.70% | -5.69% | +391 bps | |
| Loan Growth (YoY) | -21.45% | -10.74% | -12.18% | -10.06% | -14.36% | -27.78% | -29.68% | -31.00% | -2,093 bps | |
| Share Growth (YoY) | -1.98% | -13.27% | -1.52% | -8.94% | -7.28% | -0.41% | 3.29% | 1.68% | +1,062 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.35% | 0.00% | 1.58% | 2.31% | 0.00% | 0.00% | 0.00% | 0.00% | -231 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 | 1.30% | 0.98% | 1.41% | 3.07% | 0.84% | 1.35% | 1.32% | 1.27% | -180 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.38% | 20.26% | 19.73% | 18.77% | 18.25% | 17.50% | 16.39% | 13.18% | -559 bps | |
| Net Worth / Assets | 19.38% | 20.26% | 19.73% | 18.77% | 18.25% | 17.50% | 16.39% | 13.18% | -559 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.45% | 66.42% | 58.85% | 55.54% | 50.29% | 48.16% | 40.07% | 37.69% | -1,785 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |