Gower, MO · Cert 8262
FDIC
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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.
Gower, MO · Cert 8262
FDIC
Q2 2009
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.06% | 1.03% | 1.13% | 1.06% | 1.15% | 0.21% | 1.08% | 1.13% | +7 bps | |
| Return on Equity | 10.75% | 10.65% | 12.23% | 11.57% | 12.55% | 1.99% | 7.18% | 7.56% | -401 bps | |
| Net Interest Margin | 2.86% | 2.74% | 2.53% | 2.51% | 2.66% | 0.50% | 2.75% | 2.84% | +32 bps | |
| Efficiency Ratio | 64.21% | 65.08% | 58.78% | 60.62% | 58.45% | 58.26% | 60.19% | 48.00% | -1,262 bps | |
| Non-Interest Burden | 1.76% | 1.71% | 1.38% | 1.42% | 1.47% | 0.28% | 1.59% | 1.66% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.70% | 9.37% | 11.78% | 10.01% | 8.77% | 6.88% | 6.32% | 11.71% | +170 bps | |
| Loan Growth (YoY) | 0.95% | 4.64% | 0.33% | -1.12% | 4.75% | 3.77% | 22.34% | 5.70% | +681 bps | |
| Deposit Growth (YoY) | 5.79% | 12.12% | 13.59% | 8.51% | 7.27% | -1.09% | 0.28% | 5.63% | -288 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.41% | 1.40% | 1.48% | 1.47% | 1.46% | 1.46% | 1.33% | 1.53% | +6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 14.29% | 13.80% | 13.81% | 14.05% | 13.83% | 13.08% | 11.91% | 12.82% | -123 bps | |
| Equity / Assets | 9.91% | 9.28% | 9.19% | 9.00% | 9.31% | 15.02% | 15.00% | 14.74% | +574 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.23% | 66.42% | 59.60% | 62.87% | 65.65% | 69.68% | 72.71% | 62.91% | +4 bps | |
| Liquid Assets / Assets | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |