Jefferson City, MO · Charter 68538
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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 68538
Q1 2008
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.89% | -1.05% | -1.80% | 1.39% | 0.47% | 0.25% | 0.65% | 0.28% | -111 bps | |
| Return on Equity | -51.06% | -42.07% | -138.77% | 90.69% | 36.80% | 14.61% | 29.42% | 10.27% | -8,043 bps | |
| Net Interest Margin | 2.22% | 3.21% | 2.65% | 2.92% | 2.58% | 2.78% | 2.68% | 2.18% | -74 bps | |
| Efficiency Ratio | 173.84% | 112.22% | 122.20% | 79.29% | 82.35% | 78.29% | 72.99% | 74.61% | -468 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 164.54% | 8.91% | 17.42% | 18.75% | 30.99% | 34.93% | 16.84% | -3.93% | -2,268 bps | |
| Loan Growth (YoY) | n/a | 595% | 286% | 159.35% | 40.00% | -6.93% | -1.20% | 0.29% | -15,906 bps | |
| Share Growth (YoY) | 154.76% | 6.63% | 20.40% | 20.31% | 34.41% | 35.79% | 14.95% | -4.93% | -2,524 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.46% | 0.39% | 0.45% | 0.00% | 0.30% | 1.19% | 3.83% | 3.28% | +328 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 | 0.49% | 0.33% | 1.50% | 1.12% | 0.99% | 1.46% | 2.05% | 2.23% | +111 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 3.69% | 2.49% | 1.30% | 1.53% | 1.27% | 1.74% | 2.21% | 2.74% | +120 bps | |
| Net Worth / Assets | 3.69% | 2.49% | 1.30% | 1.53% | 1.27% | 1.74% | 2.21% | 2.74% | +120 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.75% | 63.67% | 48.04% | 41.48% | 33.07% | 43.64% | 41.29% | 43.76% | +228 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |