Colony, KS · Cert 12690
FDIC
Q4 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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | -1.17% | -1.24% | -1.11% | -1.03% | -1.22% | -0.65% | -0.68% | +43 bps | |
| Return on Equity | 2.19% | -11.67% | -11.96% | -10.62% | -11.38% | -14.59% | -8.55% | -8.64% | +198 bps | |
| Net Interest Margin | -0.25% | -0.29% | 0.22% | 0.72% | 1.63% | 1.32% | 1.12% | 0.97% | +26 bps | |
| Efficiency Ratio | 86.45% | 145.36% | 143.02% | 132.55% | 163.34% | 173.91% | 134.18% | 135.11% | +255 bps | |
| Non-Interest Burden | -1.09% | 0.88% | 1.55% | 2.17% | 3.40% | 2.88% | 1.92% | 1.71% | -46 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 182.23% | 133.23% | 165.34% | 60.92% | 19.79% | 16.73% | 125.78% | 80.20% | +1,928 bps | |
| Loan Growth (YoY) | 22.29% | 3.90% | 60.53% | 75.91% | 51.04% | 82.69% | 3.76% | -0.77% | -7,668 bps | |
| Deposit Growth (YoY) | 244% | 161.61% | 236% | 75.17% | 21.90% | 18.75% | 143.46% | 84.72% | +955 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 | 0.00% | 0.75% | 0.41% | 0.48% | 0.04% | 0.04% | 0.04% | 0.11% | -37 bps | |
| Allowance / Loans | 2.37% | 1.80% | 1.95% | 1.74% | 2.19% | 1.69% | 2.41% | 2.19% | +45 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 | 18.81% | 15.28% | 18.80% | 17.86% | 17.42% | 14.86% | 16.56% | 19.45% | +159 bps | |
| Equity / Assets | 8.65% | 7.59% | 11.42% | 10.95% | 7.80% | 7.37% | 6.23% | 8.58% | -237 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 17.54% | 19.08% | 35.47% | 40.86% | 21.73% | 29.35% | 15.12% | 21.95% | -1,891 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |