Birch Tree, MO · Cert 8278
FDIC
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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.
Birch Tree, MO · Cert 8278
FDIC
Q1 2012
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 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.08% | 0.95% | 1.04% | 0.87% | 0.56% | -52 bps | |
| Return on Equity | 6.97% | 6.16% | 6.72% | 5.63% | 3.61% | -336 bps | |
| Net Interest Margin | 5.49% | 5.43% | 5.40% | 5.38% | 5.20% | -30 bps | |
| Efficiency Ratio | 70.95% | 72.55% | 69.63% | 70.38% | 74.93% | +398 bps | |
| Non-Interest Burden | 3.71% | 3.76% | 3.55% | 3.56% | 3.75% | +4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.09% | -4.32% | -1.95% | 2.32% | -0.91% | +317 bps | |
| Loan Growth (YoY) | -9.06% | -3.88% | -4.58% | -2.08% | -2.27% | +679 bps | |
| Deposit Growth (YoY) | -4.52% | -5.08% | -2.65% | 2.64% | 1.28% | +580 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.22% | 0.12% | 0.49% | 0.72% | +69 bps | |
| Allowance / Loans | 2.14% | 2.17% | 2.56% | 2.47% | 2.52% | +38 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 | 24.23% | 23.58% | 24.51% | 24.23% | 24.52% | +28 bps | |
| Equity / Assets | 15.25% | 15.31% | 15.41% | 15.55% | 15.57% | +32 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.43% | 87.23% | 83.19% | 86.42% | 84.37% | -306 bps | |
| Liquid Assets / Assets | 2.66% | 3.57% | 5.65% | 5.69% | 5.89% | +323 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |