Wichita, KS · Cert 10911
FDIC
Q3 2008
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.51% | 0.62% | 0.65% | 0.64% | 0.85% | 0.92% | 0.97% | +33 bps | |
| Return on Equity | 6.20% | 5.28% | 6.75% | 7.21% | 7.18% | 10.05% | 10.89% | 11.46% | +425 bps | |
| Net Interest Margin | 2.63% | 2.68% | 2.66% | 2.81% | 2.77% | 3.15% | 3.30% | 3.53% | +71 bps | |
| Efficiency Ratio | 72.83% | 75.22% | 72.14% | 71.03% | 70.73% | 66.92% | 64.10% | 63.63% | -739 bps | |
| Non-Interest Burden | 1.57% | 1.72% | 1.55% | 1.60% | 1.56% | 1.65% | 1.60% | 1.70% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.49% | -1.77% | -2.53% | 0.34% | 1.59% | 0.27% | 1.57% | -4.82% | -516 bps | |
| Loan Growth (YoY) | 12.04% | 12.41% | 18.29% | 17.64% | 20.25% | 18.54% | 11.12% | 7.28% | -1,036 bps | |
| Deposit Growth (YoY) | 2.34% | -0.27% | -3.50% | -4.03% | 0.73% | 1.21% | 1.91% | -1.13% | +290 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 | 0.23% | 0.31% | 0.19% | 0.21% | 0.29% | 0.15% | 0.30% | 0.39% | +19 bps | |
| Allowance / Loans | 1.83% | 1.80% | 1.63% | 1.57% | 1.52% | 1.51% | 1.47% | 1.46% | -11 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 | 16.04% | 15.86% | 12.34% | 12.18% | 12.15% | 12.20% | 11.96% | 12.43% | +25 bps | |
| Equity / Assets | 9.53% | 9.61% | 8.28% | 8.45% | 8.52% | 8.44% | 8.34% | 8.62% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.65% | 53.34% | 59.36% | 64.23% | 62.85% | 62.47% | 64.73% | 69.69% | +546 bps | |
| Liquid Assets / Assets | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.01% | 0.01% | 0.01% | -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 |