Norborne, MO · Cert 9802
FDIC
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 1.54% | 1.58% | 1.39% | 1.37% | 1.02% | 0.81% | 0.62% | -77 bps | |
| Return on Equity | 4.75% | 12.23% | 12.12% | 10.93% | 11.57% | 9.00% | 7.13% | 5.30% | -564 bps | |
| Net Interest Margin | 4.54% | 4.59% | 4.71% | 4.63% | 4.27% | 3.79% | 3.67% | 3.89% | -75 bps | |
| Efficiency Ratio | 58.64% | 54.79% | 53.47% | 59.80% | 61.22% | 65.41% | 65.11% | 64.51% | +470 bps | |
| Non-Interest Burden | 2.52% | 2.35% | 2.32% | 2.61% | 2.48% | 2.36% | 2.29% | 2.41% | -19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.73% | 10.49% | 6.30% | 10.46% | 14.38% | 22.20% | 19.29% | 8.70% | -176 bps | |
| Loan Growth (YoY) | 2.08% | 8.66% | 14.22% | -5.27% | 1.10% | 0.49% | -1.62% | 13.02% | +1,828 bps | |
| Deposit Growth (YoY) | 1.05% | 11.48% | 5.12% | 11.40% | 16.29% | 25.60% | 21.96% | 10.67% | -72 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 | 0.00% | 0.00% | 0.00% | 0.21% | -0.05% | -0.05% | -0.04% | 0.00% | -21 bps | |
| Allowance / Loans | 1.07% | 1.08% | 0.99% | 1.05% | 1.02% | 1.04% | 1.08% | 1.32% | +26 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 | 18.21% | 18.97% | 17.96% | 17.98% | 18.51% | 18.61% | 18.29% | 17.64% | -34 bps | |
| Equity / Assets | 12.36% | 12.81% | 13.28% | 12.12% | 11.51% | 11.13% | 11.54% | 11.72% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.21% | 86.80% | 96.62% | 78.73% | 74.96% | 69.45% | 77.94% | 80.40% | +167 bps | |
| Liquid Assets / Assets | 12.33% | 10.33% | 6.60% | 3.03% | 2.79% | 2.63% | 2.71% | 2.78% | -25 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |