Leeton, MO · Cert 8265
FDIC
Q4 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.20% | -19.71% | -6.20% | -3.31% | -11.86% | -566 bps | |
| Return on Equity | -104.76% | -534% | -386% | -271% | -5421% | -531,651 bps | |
| Net Interest Margin | 1.49% | 1.59% | 1.57% | 1.52% | 2.69% | +119 bps | |
| Efficiency Ratio | 266% | 287% | 194.87% | 160.71% | 172.73% | -9,316 bps | |
| Non-Interest Burden | 3.69% | 5.63% | 3.32% | 2.76% | 4.89% | +120 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 43.84% | 32.53% | 16.21% | -10.37% | -21.36% | -6,520 bps | |
| Loan Growth (YoY) | 60.34% | 39.15% | 19.06% | -8.79% | -24.99% | -8,533 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.00% | 26.80% | 3.17% | 0.44% | 15.79% | +1,579 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 7.75% | 4.31% | 2.28% | 3.32% | -1.75% | -950 bps | |
| Equity / Assets | 5.13% | 2.29% | 0.86% | 1.60% | -1.35% | -649 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.22% | 75.83% | 77.34% | 76.53% | 74.52% | -1,270 bps | |
| Liquid Assets / Assets | 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 |