Harrisonville, MO · Cert 8583
FDIC
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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.
Harrisonville, MO · Cert 8583
FDIC
Q3 2009
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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 0.62% | 0.84% | 0.36% | 0.34% | 0.27% | 0.50% | 0.67% | +31 bps | |
| Return on Equity | 9.18% | 7.48% | 10.07% | 4.34% | 4.04% | 3.23% | 5.82% | 7.86% | +352 bps | |
| Net Interest Margin | 4.05% | 3.68% | 3.81% | 3.88% | 3.94% | 3.75% | 3.84% | 3.91% | +3 bps | |
| Efficiency Ratio | 80.76% | 85.48% | 84.19% | 84.79% | 86.47% | 86.33% | 81.29% | 81.39% | -341 bps | |
| Non-Interest Burden | 3.10% | 3.04% | 3.08% | 3.18% | 3.31% | 3.15% | 3.00% | 3.06% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.57% | 9.83% | 11.75% | 2.04% | -6.00% | 0.27% | -0.01% | 7.50% | +546 bps | |
| Loan Growth (YoY) | -6.39% | -7.73% | -2.38% | -2.39% | 4.61% | 5.77% | 7.88% | 11.43% | +1,382 bps | |
| Deposit Growth (YoY) | -1.39% | 9.69% | 8.00% | 2.15% | -6.42% | 0.37% | 3.79% | -1.30% | -345 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 | 0.28% | -0.03% | 0.03% | -0.02% | 0.16% | 0.25% | 0.25% | 0.13% | +15 bps | |
| Allowance / Loans | 1.39% | 1.39% | 1.34% | 1.87% | 1.71% | 1.78% | 1.85% | 1.83% | -4 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 | 12.96% | 12.91% | 13.15% | 13.17% | 12.98% | 12.92% | 13.09% | 13.23% | +6 bps | |
| Equity / Assets | 8.09% | 8.54% | 8.32% | 8.39% | 8.49% | 8.50% | 8.57% | 8.64% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.84% | 68.76% | 73.21% | 71.75% | 73.60% | 72.46% | 76.09% | 81.00% | +925 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |