Festus, MO · Charter 67953
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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 67953
Q3 2015
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | -0.20% | -0.04% | -0.09% | -0.14% | -0.19% | -0.20% | -0.70% | -61 bps | |
| Return on Equity | 0.11% | -1.97% | -0.37% | -0.89% | -1.37% | -2.04% | -2.01% | -7.46% | -658 bps | |
| Net Interest Margin | 2.72% | 2.45% | 2.48% | 2.49% | 2.38% | 2.14% | 2.31% | 2.26% | -23 bps | |
| Efficiency Ratio | 100.20% | 105.79% | 99.74% | 100.59% | 100.53% | 107.61% | 107.58% | 124.70% | +2,411 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.55% | 4.42% | 1.09% | 6.61% | 10.57% | 7.18% | 3.32% | 3.72% | -289 bps | |
| Loan Growth (YoY) | -3.40% | 1.98% | 6.58% | 8.18% | 5.37% | 0.71% | 0.55% | -3.71% | -1,189 bps | |
| Share Growth (YoY) | 3.81% | 5.06% | 1.04% | 7.20% | 11.76% | 8.13% | 4.60% | 5.22% | -198 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.41% | 0.04% | 0.15% | 0.03% | 0.08% | 0.00% | 0.15% | +1 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 | 0.23% | 0.25% | 0.24% | 0.26% | 0.23% | 0.25% | 0.16% | 0.21% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.11% | 10.21% | 10.48% | 10.41% | 9.92% | 9.39% | 9.93% | 9.44% | -97 bps | |
| Net Worth / Assets | 11.11% | 10.21% | 10.48% | 10.41% | 9.92% | 9.39% | 9.93% | 9.44% | -97 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.93% | 42.72% | 46.09% | 47.44% | 43.30% | 39.79% | 44.31% | 43.41% | -402 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |