Leeton, MO · Cert 8265
FDIC
Q4 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2009, the quarter ended December 31, 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.
Leeton, MO · Cert 8265
FDIC
Q4 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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.30% | 0.25% | -0.92% | -2.46% | -19.71% | -13.14% | -10.05% | -10.50% | -804 bps | |
| Return on Equity | 3.01% | 2.68% | -10.57% | -31.35% | -534% | -472% | -400% | -564% | -53,244 bps | |
| Net Interest Margin | 3.06% | 2.96% | 2.98% | 2.31% | 1.59% | 1.61% | 1.66% | 2.03% | -28 bps | |
| Efficiency Ratio | 83.12% | 84.78% | 81.34% | 106.60% | 287% | 241% | 215% | 201% | +9,477 bps | |
| Non-Interest Burden | 2.51% | 2.48% | 2.38% | 2.47% | 5.63% | 4.59% | 4.20% | 4.66% | +219 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 36.94% | 36.12% | 56.42% | 43.84% | 32.53% | 16.21% | -10.37% | -21.36% | -6,520 bps | |
| Loan Growth (YoY) | 30.56% | 37.49% | 57.09% | 60.34% | 39.15% | 19.06% | -8.79% | -24.99% | -8,533 bps | |
| Deposit Growth (YoY) | 39.86% | 40.84% | 58.07% | 46.44% | 37.55% | 21.35% | -1.32% | -12.20% | -5,864 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% | 0.27% | 0.37% | 0.26% | 26.80% | 15.59% | 11.04% | 13.30% | +1,304 bps | |
| Allowance / Loans | 1.04% | 0.88% | 1.71% | 2.85% | 1.79% | 2.93% | 3.67% | 3.48% | +63 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 | 10.00% | 12.48% | 9.81% | 7.75% | 4.31% | 2.28% | 3.32% | -1.75% | -950 bps | |
| Equity / Assets | 9.37% | 8.91% | 6.71% | 5.13% | 2.29% | 0.86% | 1.60% | -1.35% | -649 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.96% | 78.83% | 82.79% | 87.22% | 75.83% | 77.34% | 76.53% | 74.52% | -1,270 bps | |
| Liquid Assets / Assets | 5.95% | 5.16% | 3.11% | 6.25% | 5.68% | 11.40% | 5.25% | 5.46% | -79 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |