Troy, KS · Cert 15353
FDIC
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 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.
Troy, KS · Cert 15353
FDIC
Q3 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 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.43% | 0.63% | 0.80% | 0.25% | 0.71% | 0.55% | 0.49% | -31 bps | |
| Return on Equity | 3.37% | 4.36% | 6.32% | 8.06% | 2.56% | 7.49% | 5.80% | 5.11% | -295 bps | |
| Net Interest Margin | 3.35% | 3.15% | 3.26% | 3.33% | 3.20% | 3.02% | 2.95% | 3.04% | -29 bps | |
| Efficiency Ratio | 78.23% | 82.81% | 77.92% | 74.55% | 76.82% | 79.04% | 81.94% | 86.67% | +1,211 bps | |
| Non-Interest Burden | 2.53% | 2.57% | 2.48% | 2.40% | 2.38% | 2.32% | 2.36% | 2.60% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.53% | 6.93% | 11.65% | 11.11% | 8.95% | 4.88% | 0.99% | -3.74% | -1,485 bps | |
| Loan Growth (YoY) | -0.15% | 1.45% | 8.28% | 5.20% | 1.24% | -2.03% | -4.99% | -15.83% | -2,103 bps | |
| Deposit Growth (YoY) | -1.71% | 9.79% | 16.21% | 11.99% | 10.23% | 5.63% | 1.38% | 0.49% | -1,151 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 | 0.93% | 0.62% | 0.31% | 0.20% | 0.26% | -0.03% | 0.02% | 0.27% | +7 bps | |
| Allowance / Loans | 1.61% | 1.58% | 1.55% | 1.51% | 2.16% | 2.35% | 2.30% | 2.33% | +82 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 | 19.47% | 19.81% | 19.19% | 18.55% | 18.40% | 19.89% | 18.89% | 19.81% | +126 bps | |
| Equity / Assets | 9.94% | 9.87% | 9.92% | 10.01% | 9.27% | 9.60% | 9.74% | 10.06% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.51% | 57.09% | 59.08% | 64.25% | 54.66% | 52.95% | 55.37% | 53.82% | -1,043 bps | |
| Liquid Assets / Assets | 0.75% | 0.72% | 0.70% | 0.67% | 0.64% | 0.65% | 0.66% | 0.66% | -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 |