Mound City, MO · Cert 8592
FDIC
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Mound City, MO · Cert 8592
FDIC
Q1 2007
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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.48% | 1.53% | 1.26% | 3.18% | 2.89% | 3.41% | 2.73% | 1.22% | -197 bps | |
| Return on Equity | 8.87% | 9.18% | 7.53% | 18.71% | 16.77% | 19.16% | 15.44% | 7.60% | -1,111 bps | |
| Net Interest Margin | 3.53% | 3.62% | 3.75% | 3.94% | 3.87% | 4.02% | 3.93% | 1.68% | -225 bps | |
| Efficiency Ratio | 62.62% | 61.32% | 68.40% | 57.73% | 58.43% | 56.02% | 63.66% | 38.00% | -1,973 bps | |
| Non-Interest Burden | 2.11% | 2.11% | 2.47% | 2.10% | 2.11% | 2.11% | 2.36% | 0.60% | -150 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.23% | 2.41% | -0.82% | -5.16% | -6.17% | -8.09% | 2.49% | 1.41% | +657 bps | |
| Loan Growth (YoY) | 8.67% | 6.20% | -2.28% | -3.94% | 2.90% | 6.01% | 12.13% | 14.36% | +1,830 bps | |
| Deposit Growth (YoY) | -2.85% | 3.36% | -1.15% | -5.81% | -7.55% | -11.27% | 2.03% | 4.22% | +1,004 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% | -0.02% | -0.01% | -0.10% | -0.23% | -0.32% | -0.27% | -0.27% | -17 bps | |
| Allowance / Loans | 4.30% | 4.34% | 4.33% | 3.81% | 3.01% | 1.79% | 1.69% | 1.84% | -197 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 | 32.98% | 33.48% | 33.32% | 34.60% | 33.03% | 34.78% | 31.83% | 11.86% | -2,274 bps | |
| Equity / Assets | 16.58% | 16.80% | 17.08% | 16.95% | 17.69% | 19.56% | 17.40% | 14.63% | -232 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 48.72% | 49.30% | 50.10% | 46.31% | 54.23% | 58.90% | 55.06% | 50.81% | +450 bps | |
| Liquid Assets / Assets | 44.70% | 45.32% | 45.51% | 42.28% | 42.39% | 41.59% | 34.15% | 13.23% | -2,905 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |