Frontenac, KS · Cert 15099
FDIC
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Frontenac, KS · Cert 15099
FDIC
Q1 2008
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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.24% | 2.29% | 2.24% | 2.26% | 2.40% | 2.45% | 2.36% | 0.92% | -134 bps | |
| Return on Equity | 7.72% | 7.80% | 7.64% | 7.90% | 8.33% | 8.39% | 8.00% | 4.54% | -336 bps | |
| Net Interest Margin | 3.35% | 3.45% | 3.46% | 3.54% | 3.68% | 3.74% | 3.75% | 3.35% | -18 bps | |
| Efficiency Ratio | 37.83% | 37.47% | 39.50% | 40.95% | 38.20% | 37.79% | 41.28% | 59.78% | +1,883 bps | |
| Non-Interest Burden | 1.01% | 1.02% | 1.10% | 1.23% | 1.17% | 1.16% | 1.32% | 1.88% | +64 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.03% | -4.03% | -5.74% | -4.06% | -3.46% | -6.20% | -1.34% | -19.84% | -1,578 bps | |
| Loan Growth (YoY) | 2.97% | 4.19% | -10.41% | -6.92% | -11.98% | -11.57% | -3.89% | -9.10% | -219 bps | |
| Deposit Growth (YoY) | -7.04% | -6.31% | -5.94% | -3.70% | -2.83% | -6.48% | -2.92% | 1.87% | +558 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% | -0.01% | 0.06% | 0.00% | -0.10% | -0.06% | -0.04% | 0.00% | 0 bps | |
| Allowance / Loans | 0.50% | 0.49% | 0.55% | 0.55% | 0.61% | 0.60% | 0.57% | 0.60% | +5 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 | 57.06% | 57.19% | 59.79% | 59.03% | 64.58% | 68.56% | 75.34% | 19.84% | -3,919 bps | |
| Equity / Assets | 29.79% | 30.19% | 29.27% | 27.98% | 29.29% | 30.38% | 30.40% | 8.30% | -1,969 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.60% | 56.87% | 51.97% | 49.50% | 51.27% | 53.78% | 51.44% | 44.17% | -533 bps | |
| Liquid Assets / Assets | 14.93% | 14.72% | 15.67% | 14.48% | 12.49% | 9.46% | 4.50% | 4.13% | -1,036 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |