Lebo, KS · Cert 15288
FDIC
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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.
Lebo, KS · Cert 15288
FDIC
Q2 2009
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.53% | -4.29% | -3.95% | -6.70% | -3.93% | +160 bps | |
| Return on Equity | -83.22% | -66.50% | -63.07% | -140.89% | -86.27% | -306 bps | |
| Net Interest Margin | 2.15% | 2.84% | 2.90% | 2.28% | 2.80% | +64 bps | |
| Efficiency Ratio | 178.53% | 144.89% | 144.28% | 174.10% | 209% | +3,013 bps | |
| Non-Interest Burden | 3.98% | 4.19% | 4.26% | 4.13% | 6.20% | +222 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.53% | -16.53% | -16.29% | -28.78% | -24.47% | -1,294 bps | |
| Loan Growth (YoY) | -26.69% | -33.46% | -38.12% | -38.99% | -29.26% | -257 bps | |
| Deposit Growth (YoY) | 12.70% | -2.47% | -7.06% | -23.43% | -23.25% | -3,595 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.51% | 1.44% | 3.05% | 11.05% | 6.13% | +462 bps | |
| Allowance / Loans | 3.29% | 3.99% | 3.38% | 2.79% | 1.10% | -219 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 9.25% | 9.50% | 9.38% | 7.23% | 7.22% | -203 bps | |
| Equity / Assets | 5.68% | 5.80% | 5.42% | 4.03% | 4.10% | -158 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.73% | 82.44% | 73.43% | 74.97% | 71.64% | -609 bps | |
| Liquid Assets / Assets | 5.88% | 5.47% | 5.15% | 5.16% | 0.00% | -588 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |