Ellis, KS · Cert 12424
FDIC
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 2008, 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.
Ellis, KS · Cert 12424
FDIC
Q2 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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.65% | 0.42% | 0.52% | 0.50% | 0.68% | 0.08% | -0.52% | -104 bps | |
| Return on Equity | 6.59% | 5.96% | 4.14% | 5.35% | 5.11% | 6.95% | 0.83% | -5.64% | -1,098 bps | |
| Net Interest Margin | 5.63% | 5.67% | 7.00% | 8.27% | 8.36% | 8.87% | 8.28% | 8.11% | -16 bps | |
| Efficiency Ratio | 82.48% | 85.45% | 88.25% | 89.57% | 90.12% | 88.36% | 95.53% | 100.78% | +1,121 bps | |
| Non-Interest Burden | 4.61% | 4.80% | 6.18% | 7.38% | 7.50% | 7.78% | 7.86% | 8.18% | +80 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.46% | 18.51% | 21.08% | 25.55% | 9.99% | 14.14% | 19.26% | 6.52% | -1,903 bps | |
| Loan Growth (YoY) | 46.82% | 46.33% | 55.83% | 50.50% | 27.94% | 26.13% | 12.06% | 2.67% | -4,783 bps | |
| Deposit Growth (YoY) | 15.97% | 19.56% | 18.05% | 22.69% | 13.95% | 9.37% | 21.92% | 16.51% | -618 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 | 0.01% | 0.01% | -0.01% | 0.07% | 0.04% | 0.03% | 0.00% | 0.00% | -7 bps | |
| Allowance / Loans | 0.87% | 0.82% | 0.76% | 0.65% | 0.69% | 0.66% | 0.68% | 0.69% | +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 | 17.32% | 15.87% | 14.69% | 13.21% | 13.72% | 13.72% | 13.37% | 12.97% | -24 bps | |
| Equity / Assets | 10.69% | 10.30% | 10.03% | 9.21% | 9.55% | 9.70% | 9.07% | 8.84% | -37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.22% | 85.20% | 93.95% | 101.27% | 92.32% | 98.26% | 86.35% | 89.24% | -1,203 bps | |
| Liquid Assets / Assets | 0.01% | 0.02% | 0.05% | 0.13% | 0.10% | 0.06% | 0.03% | 0.03% | -10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |