Minneola, KS · Cert 10923
FDIC
Q3 2005
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 2.23% | 1.83% | 2.99% | 2.16% | 0.84% | 0.83% | 0.04% | -295 bps | |
| Return on Equity | 12.02% | 22.58% | 18.85% | 30.15% | 21.77% | 8.35% | 8.05% | 0.40% | -2,975 bps | |
| Net Interest Margin | 3.59% | 4.21% | 3.94% | 3.77% | 3.45% | 2.86% | 2.98% | 2.89% | -88 bps | |
| Efficiency Ratio | 68.50% | 50.34% | 54.38% | 55.94% | 67.06% | 71.84% | 76.00% | 100.68% | +4,474 bps | |
| Non-Interest Burden | 2.39% | 1.99% | 2.04% | 2.02% | 2.25% | 1.98% | 2.21% | 2.91% | +89 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.22% | 7.83% | 11.95% | 9.74% | 7.78% | -1.03% | -11.23% | -9.90% | -1,964 bps | |
| Loan Growth (YoY) | -10.59% | -1.58% | -8.19% | -4.32% | 3.03% | -11.82% | 0.00% | -5.14% | -82 bps | |
| Deposit Growth (YoY) | 5.04% | 8.84% | 13.42% | 9.73% | 7.85% | -1.54% | -12.75% | -9.99% | -1,972 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 | -0.72% | -2.14% | -1.05% | -0.69% | -0.54% | 0.00% | -0.42% | -0.29% | +40 bps | |
| Allowance / Loans | 3.73% | 4.11% | 4.05% | 0.75% | 0.78% | 0.88% | 0.76% | 0.79% | +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 | 19.40% | 19.53% | 18.60% | 20.00% | 19.43% | 21.63% | 20.80% | 21.07% | +107 bps | |
| Equity / Assets | 9.92% | 9.80% | 9.40% | 10.55% | 9.84% | 10.25% | 10.93% | 10.52% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 31.45% | 31.58% | 30.36% | 31.65% | 30.04% | 28.29% | 34.79% | 33.35% | +171 bps | |
| Liquid Assets / Assets | 60.35% | 60.86% | 63.63% | 62.02% | 60.05% | 61.81% | 62.99% | 59.72% | -230 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |