Savannah, MO · Cert 8306
FDIC
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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.
Savannah, MO · Cert 8306
FDIC
Q1 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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.57% | -0.31% | -0.28% | -0.07% | 0.29% | 0.28% | 0.42% | 0.82% | +89 bps | |
| Return on Equity | -6.91% | -3.76% | -3.40% | -0.82% | 3.49% | 3.35% | 5.03% | 9.50% | +1,032 bps | |
| Net Interest Margin | 2.58% | 2.49% | 2.45% | 2.53% | 2.66% | 2.68% | 2.74% | 3.15% | +62 bps | |
| Efficiency Ratio | 106.80% | 100.81% | 101.88% | 80.94% | 77.13% | 76.68% | 75.57% | 71.26% | -968 bps | |
| Non-Interest Burden | 2.85% | 2.52% | 2.52% | 1.82% | 1.75% | 1.74% | 1.75% | 1.87% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.88% | 12.55% | 14.73% | 8.75% | 9.72% | 11.19% | 3.73% | 6.34% | -241 bps | |
| Loan Growth (YoY) | 14.49% | 16.03% | 11.56% | 5.92% | 7.55% | 7.85% | 7.46% | 12.84% | +692 bps | |
| Deposit Growth (YoY) | -0.93% | 13.30% | 16.24% | 20.08% | 18.59% | 6.88% | 3.95% | 4.10% | -1,597 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 | 0.31% | 0.22% | 0.20% | 0.03% | 0.03% | 0.01% | 0.02% | 0.07% | +3 bps | |
| Allowance / Loans | 1.14% | 1.16% | 1.20% | 1.52% | 1.47% | 1.70% | 1.71% | 1.64% | +12 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 | 10.01% | 9.81% | 10.59% | 10.37% | 10.51% | 10.36% | 10.65% | 10.44% | +7 bps | |
| Equity / Assets | 7.95% | 7.96% | 8.18% | 8.40% | 8.44% | 8.37% | 8.55% | 8.80% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.28% | 91.30% | 80.81% | 82.92% | 90.94% | 92.13% | 83.54% | 89.88% | +696 bps | |
| Liquid Assets / Assets | 0.03% | 0.12% | 0.02% | 0.01% | 0.13% | 0.12% | 0.04% | 0.02% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |