Holden, MO · Cert 8297
FDIC
Q2 2008
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 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 1.09% | 0.35% | 0.77% | 0.73% | 0.76% | 0.95% | -0.09% | -86 bps | |
| Return on Equity | 9.98% | 10.74% | 3.48% | 7.65% | 7.21% | 7.36% | 8.57% | -0.79% | -845 bps | |
| Net Interest Margin | 4.26% | 4.17% | 3.81% | 4.02% | 4.08% | 4.08% | 4.31% | 4.24% | +22 bps | |
| Efficiency Ratio | 70.92% | 70.06% | 78.25% | 72.54% | 72.27% | 72.04% | 74.15% | 89.78% | +1,724 bps | |
| Non-Interest Burden | 2.79% | 2.69% | 2.82% | 2.71% | 2.74% | 2.72% | 3.09% | 3.77% | +106 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.70% | 6.12% | 2.06% | 6.41% | 5.61% | -1.06% | 1.24% | -1.58% | -800 bps | |
| Loan Growth (YoY) | -0.20% | 1.87% | 1.22% | 2.35% | 1.43% | -0.20% | 0.96% | -3.14% | -549 bps | |
| Deposit Growth (YoY) | -0.46% | 8.63% | 6.38% | 3.79% | 0.86% | -7.16% | -5.94% | -4.77% | -856 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 | 0.07% | 0.07% | 0.76% | 0.38% | 0.25% | 0.23% | 0.01% | 0.17% | -21 bps | |
| Allowance / Loans | 1.00% | 1.00% | 1.01% | 0.99% | 1.05% | 1.04% | 1.03% | 1.34% | +35 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 | 16.26% | 15.63% | 15.39% | 15.59% | 15.99% | 16.56% | 16.80% | 16.81% | +122 bps | |
| Equity / Assets | 10.65% | 10.04% | 10.03% | 10.21% | 10.47% | 11.12% | 11.17% | 10.92% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.57% | 79.40% | 78.36% | 82.86% | 84.04% | 85.35% | 84.11% | 84.27% | +142 bps | |
| Liquid Assets / Assets | 2.13% | 2.76% | 1.59% | 0.88% | 0.35% | 0.21% | 2.64% | 3.10% | +222 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |