Haddam, KS · Cert 15110
FDIC
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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.
Haddam, KS · Cert 15110
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 | 0.99% | 0.74% | 1.29% | 1.32% | 1.32% | 1.25% | 0.94% | 0.97% | -35 bps | |
| Return on Equity | 5.92% | 4.55% | 8.85% | 8.97% | 8.76% | 8.16% | 6.21% | 6.52% | -245 bps | |
| Net Interest Margin | 4.61% | 4.36% | 4.32% | 4.45% | 4.61% | 4.58% | 4.31% | 4.24% | -21 bps | |
| Efficiency Ratio | 69.54% | 67.80% | 61.19% | 63.08% | 62.37% | 62.89% | 70.49% | 69.92% | +684 bps | |
| Non-Interest Burden | 3.29% | 3.04% | 2.67% | 2.86% | 2.95% | 2.97% | 3.16% | 3.04% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.55% | 14.07% | 25.07% | 19.04% | 13.59% | 1.72% | -4.26% | 1.22% | -1,781 bps | |
| Loan Growth (YoY) | 7.12% | 14.00% | 16.57% | 7.02% | 5.13% | -6.67% | -7.16% | 1.47% | -556 bps | |
| Deposit Growth (YoY) | 1.81% | 20.04% | 32.73% | 23.53% | 15.29% | -0.07% | -3.08% | 1.90% | -2,163 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 | -0.03% | -0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.65% | 1.00% | 1.02% | 1.10% | 1.12% | 1.12% | 1.10% | 1.09% | -2 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 | 14.86% | 13.52% | 12.03% | 13.20% | 14.18% | 14.63% | 14.26% | 14.47% | +127 bps | |
| Equity / Assets | 17.01% | 15.09% | 14.03% | 15.07% | 16.11% | 16.23% | 14.17% | 14.20% | -87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.33% | 95.50% | 90.40% | 86.23% | 89.67% | 89.20% | 86.59% | 85.87% | -36 bps | |
| Liquid Assets / Assets | 1.07% | 0.95% | 0.87% | 4.12% | 1.79% | 3.04% | 4.96% | 4.51% | +39 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |