Jewell, KS · Cert 1361
FDIC
Q2 2012
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 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -8.35% | -8.39% | -1.99% | -1.59% | -3.58% | -2.76% | -1.29% | -2.69% | -111 bps | |
| Return on Equity | -91.28% | -100.85% | -46.64% | -38.38% | -99.66% | -83.95% | -66.42% | -161.26% | -12,288 bps | |
| Net Interest Margin | 2.40% | 2.45% | 2.40% | 2.57% | 2.44% | 2.46% | 2.19% | 2.36% | -21 bps | |
| Efficiency Ratio | 107.66% | 111.69% | 143.13% | 119.50% | 182.92% | 159.05% | 159.62% | 345% | +22,530 bps | |
| Non-Interest Burden | 2.59% | 3.04% | 3.37% | 3.09% | 3.83% | 3.60% | 3.61% | 4.99% | +190 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 | 5.27% | 7.56% | 6.64% | 3.50% | 5.05% | 3.92% | -0.09% | 4.19% | +68 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 |