Beverly, KS · Cert 10506
FDIC
Q2 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2010, the quarter ended June 30, 2010, 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.
Beverly, KS · Cert 10506
FDIC
Q2 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.45% | -4.00% | -1.96% | -2.32% | -3.03% | -1.76% | -8.63% | -12.78% | -1,046 bps | |
| Return on Equity | -24.38% | -41.44% | -24.40% | -29.13% | -39.39% | -23.00% | -125.17% | -251% | -22,209 bps | |
| Net Interest Margin | 3.69% | 2.91% | 2.80% | 2.90% | 2.84% | 2.78% | 2.29% | 2.95% | +4 bps | |
| Efficiency Ratio | 72.67% | 78.30% | 82.25% | 93.79% | 100.62% | 105.76% | 177.59% | 183.21% | +8,942 bps | |
| Non-Interest Burden | 2.22% | 3.60% | 1.92% | 2.61% | 2.87% | 3.09% | 5.75% | 7.96% | +535 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.86% | 11.91% | 6.00% | -3.66% | -11.69% | -8.20% | -20.48% | -26.56% | -2,289 bps | |
| Loan Growth (YoY) | -1.84% | -5.07% | -13.17% | -15.09% | -11.53% | -9.85% | -11.88% | -17.97% | -288 bps | |
| Deposit Growth (YoY) | 39.91% | 43.33% | 44.39% | 20.20% | -6.58% | -1.72% | -16.79% | -16.99% | -3,719 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 | 2.48% | 5.61% | -0.09% | -0.05% | 0.52% | 0.46% | 2.96% | 8.78% | +883 bps | |
| Allowance / Loans | 2.67% | 1.60% | 2.61% | 3.35% | 4.33% | 4.50% | 7.39% | 6.37% | +302 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 | 9.09% | 11.26% | 11.69% | 10.31% | 8.87% | 8.57% | 4.50% | 0.62% | -969 bps | |
| Equity / Assets | 7.81% | 8.01% | 8.04% | 7.88% | 6.79% | 7.42% | 6.28% | 0.59% | -728 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.82% | 90.23% | 87.41% | 92.95% | 86.95% | 82.77% | 92.56% | 91.86% | -110 bps | |
| Liquid Assets / Assets | 14.14% | 12.48% | 13.20% | 13.85% | 14.69% | 10.50% | 9.25% | 7.36% | -650 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |