La Plata, MO · Cert 8567
FDIC
Q1 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.57% | 0.86% | 0.96% | 0.85% | 0.84% | 0.71% | 0.82% | 0.91% | +6 bps | |
| Return on Equity | -4.08% | 6.88% | 7.43% | 6.60% | 6.84% | 6.04% | 6.47% | 6.56% | -4 bps | |
| Net Interest Margin | -1.75% | 2.63% | 2.77% | 2.79% | 2.54% | 2.40% | 2.56% | 2.85% | +7 bps | |
| Efficiency Ratio | 46.83% | 50.90% | 51.10% | 50.80% | 49.32% | 47.00% | 48.95% | 49.31% | -149 bps | |
| Non-Interest Burden | -1.02% | 1.35% | 1.43% | 1.46% | 1.26% | 1.11% | 1.27% | 1.42% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.91% | -0.37% | -1.80% | -6.80% | 2.54% | 9.24% | -6.08% | -5.92% | +89 bps | |
| Loan Growth (YoY) | 2.26% | 16.71% | 15.97% | 13.76% | 26.29% | 13.09% | 8.49% | 15.24% | +148 bps | |
| Deposit Growth (YoY) | 16.02% | 4.02% | 2.71% | -3.49% | -8.16% | -5.71% | -7.16% | -7.25% | -376 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 | -0.02% | 0.08% | 0.00% | 0.10% | 0.04% | 0.00% | 0.03% | 0.03% | -7 bps | |
| Allowance / Loans | 3.02% | 2.62% | 2.59% | 2.58% | 2.36% | 2.29% | 2.34% | 2.22% | -37 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 | 16.57% | 16.06% | 17.21% | 17.83% | 16.59% | 16.82% | 17.62% | 17.18% | -65 bps | |
| Equity / Assets | 12.08% | 12.96% | 12.80% | 12.85% | 11.83% | 11.79% | 13.73% | 13.95% | +110 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 40.06% | 48.98% | 50.36% | 49.85% | 55.09% | 58.75% | 58.85% | 61.93% | +1,209 bps | |
| Liquid Assets / Assets | 0.40% | 0.42% | 0.43% | 0.30% | 0.30% | 0.26% | 0.30% | 0.29% | -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 |