Ellis, KS · Cert 12424
FDIC
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 0.42% | 0.42% | 0.63% | 0.43% | 1.19% | 0.08% | -1.09% | -172 bps | |
| Return on Equity | 8.34% | 3.97% | 4.14% | 6.55% | 4.63% | 12.32% | 0.83% | -12.14% | -1,869 bps | |
| Net Interest Margin | 10.45% | 7.05% | 7.00% | 10.03% | 9.16% | 10.69% | 8.28% | 7.92% | -212 bps | |
| Efficiency Ratio | 87.52% | 91.64% | 88.25% | 90.38% | 91.06% | 84.43% | 95.53% | 106.39% | +1,602 bps | |
| Non-Interest Burden | 9.11% | 6.39% | 6.18% | 9.01% | 8.31% | 8.89% | 7.86% | 8.47% | -54 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% | 0.02% | -0.01% | 0.14% | 0.00% | 0.01% | 0.00% | -0.01% | -15 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 |