Jewell, KS · Cert 1361
FDIC
Q2 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -14.43% | -8.34% | -1.99% | -1.18% | -7.70% | -0.17% | -1.29% | -4.27% | -309 bps | |
| Return on Equity | -187.02% | -159.96% | -46.64% | -29.64% | -265% | -8.57% | -66.42% | -289% | -25,965 bps | |
| Net Interest Margin | 2.95% | 2.14% | 2.40% | 2.65% | 2.20% | 2.17% | 2.19% | 2.34% | -31 bps | |
| Efficiency Ratio | 84.60% | 125.32% | 143.13% | 100.97% | 182.92% | 107.32% | 159.62% | 345% | +24,383 bps | |
| Non-Interest Burden | 2.48% | 3.87% | 3.37% | 2.68% | 5.34% | 2.35% | 3.61% | 6.08% | +340 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -19.34% | -23.71% | -17.46% | -15.88% | -15.66% | -9.90% | -16.19% | -25.32% | -944 bps | |
| Loan Growth (YoY) | -19.94% | -17.56% | -21.47% | -21.09% | -30.16% | -28.85% | -28.02% | -28.85% | -776 bps | |
| Deposit Growth (YoY) | -13.74% | -17.08% | -9.75% | -8.99% | -10.72% | -5.55% | -14.81% | -24.02% | -1,503 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 | 2.65% | 13.54% | 6.64% | -0.03% | 6.84% | -0.06% | -0.09% | 8.47% | +850 bps | |
| Allowance / Loans | 5.55% | 4.78% | 3.85% | 4.50% | 5.60% | 5.83% | 6.22% | 4.83% | +33 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 | 9.71% | 7.71% | 7.32% | 7.38% | 4.89% | 4.99% | 4.76% | 2.94% | -444 bps | |
| Equity / Assets | 5.91% | 4.44% | 4.09% | 3.87% | 1.94% | 2.00% | 1.88% | 1.01% | -286 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.58% | 85.14% | 79.72% | 76.71% | 63.03% | 64.14% | 67.36% | 71.84% | -487 bps | |
| Liquid Assets / Assets | 24.27% | 18.59% | 19.49% | 22.85% | 35.13% | 34.17% | 31.14% | 25.87% | +302 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |