Iola, KS · Cert 14463
FDIC
Q1 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.36% | 0.99% | 1.25% | 0.93% | 0.96% | 1.45% | 1.35% | 2.21% | +127 bps | |
| Return on Equity | 13.50% | 8.96% | 10.61% | 8.57% | 9.00% | 13.55% | 12.63% | 19.88% | +1,131 bps | |
| Net Interest Margin | 3.84% | 3.30% | 3.51% | 3.53% | 3.55% | 3.62% | 3.98% | 4.14% | +61 bps | |
| Efficiency Ratio | 73.82% | 75.20% | 69.53% | 74.71% | 74.70% | 65.55% | 70.74% | 54.20% | -2,051 bps | |
| Non-Interest Burden | 2.67% | 2.35% | 2.29% | 2.52% | 2.52% | 2.07% | 2.57% | 1.82% | -71 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 83.39% | 45.99% | 46.97% | 50.90% | -16.86% | 1.99% | 7.40% | -2.12% | -5,302 bps | |
| Loan Growth (YoY) | 41.81% | 26.76% | 30.85% | 32.51% | -3.87% | 10.45% | 11.94% | 4.95% | -2,756 bps | |
| Deposit Growth (YoY) | 84.33% | 41.86% | 46.28% | 49.25% | -21.61% | 0.34% | 3.94% | -1.87% | -5,112 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 | 0.02% | 0.04% | 0.15% | 0.07% | -0.01% | 0.03% | 0.32% | 0.05% | -2 bps | |
| Allowance / Loans | 1.09% | 1.25% | 1.18% | 1.15% | 1.10% | 1.10% | 0.98% | 1.01% | -14 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 | 12.29% | 15.16% | 12.34% | 12.09% | 11.74% | 12.05% | 11.21% | 12.62% | +53 bps | |
| Equity / Assets | 9.98% | 12.50% | 11.03% | 10.73% | 10.60% | 10.87% | 10.50% | 11.74% | +100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.05% | 83.95% | 85.81% | 86.26% | 93.26% | 92.41% | 92.41% | 92.27% | +600 bps | |
| Liquid Assets / Assets | 4.46% | 5.53% | 0.04% | 0.03% | 0.07% | 0.06% | 0.05% | 0.05% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |