Fairfax, MO · Cert 8563
FDIC
Q3 2010
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 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.78% | 0.97% | 0.89% | -6.32% | 2.90% | 0.82% | 0.76% | 0.37% | +669 bps | |
| Return on Equity | -4.29% | 5.39% | 5.02% | -36.04% | 17.19% | 4.98% | 4.66% | 2.35% | +3,838 bps | |
| Net Interest Margin | 4.19% | 3.39% | 3.24% | 3.17% | 2.65% | 2.18% | 2.17% | 2.32% | -85 bps | |
| Efficiency Ratio | 63.91% | 64.71% | 65.67% | 62.69% | 51.43% | 66.29% | 68.18% | 85.11% | +2,242 bps | |
| Non-Interest Burden | 2.59% | 2.13% | 2.06% | 1.86% | 1.27% | 1.39% | 1.42% | 1.95% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.12% | -0.25% | 2.06% | -5.30% | 0.46% | -3.00% | -4.86% | 8.03% | +1,333 bps | |
| Loan Growth (YoY) | -15.81% | -18.77% | -15.41% | -22.37% | -16.43% | -16.65% | -16.99% | -10.14% | +1,223 bps | |
| Deposit Growth (YoY) | 1.93% | 1.26% | 3.36% | -3.99% | 2.61% | -1.44% | -3.35% | 10.78% | +1,477 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 | 24.98% | 0.00% | 0.00% | 44.46% | 0.00% | 0.00% | -0.97% | -0.36% | -4,482 bps | |
| Allowance / Loans | 4.87% | 5.65% | 5.16% | 2.17% | 2.27% | 2.65% | 2.67% | 2.75% | +58 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 | 44.93% | 46.73% | 45.96% | 42.72% | 42.28% | 41.08% | 39.99% | 37.30% | -543 bps | |
| Equity / Assets | 18.12% | 17.90% | 17.61% | 17.44% | 16.27% | 16.63% | 16.18% | 15.50% | -194 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 35.20% | 29.49% | 31.30% | 31.56% | 28.67% | 24.94% | 26.89% | 25.60% | -596 bps | |
| Liquid Assets / Assets | 61.37% | 64.80% | 65.50% | 61.92% | 62.20% | 63.08% | 63.32% | 62.83% | +91 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |