Troy, KS · Cert 15353
FDIC
Q3 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.30% | 0.43% | 0.82% | 1.14% | -1.33% | 0.71% | 0.40% | 0.36%1 | -77 bps | |
| Return on Equity | 2.94% | 4.36% | 8.28% | 11.42% | -13.78% | 7.49% | 4.12% | 3.68% | -774 bps | |
| Net Interest Margin | 3.21% | 3.15% | 3.42% | 3.48% | 2.81% | 3.02% | 2.85% | 2.89% | -59 bps | |
| Efficiency Ratio | 83.56% | 82.81% | 73.60% | 68.36% | 84.69% | 79.04% | 85.05% | 97.03% | +2,867 bps | |
| Non-Interest Burden | 2.61% | 2.57% | 2.42% | 2.25% | 2.33% | 2.32% | 2.38% | 2.80% | +54 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 | 0.09% | 0.62% | 0.03% | 0.03% | 0.39% | -0.03% | 0.06% | 0.79% | +76 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 |