McLouth, KS · Cert 15363
FDIC
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
McLouth, KS · Cert 15363
FDIC
Q2 2011
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 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.01% | 1.06% | 1.11% | 1.19% | -0.54% | 1.23% | 1.38% | +27 bps | |
| Return on Equity | 6.08% | 5.24% | 5.43% | 5.71% | 6.14% | -3.16% | 15.07% | 15.90% | +1,019 bps | |
| Net Interest Margin | 4.03% | 4.04% | 3.86% | 3.83% | 3.94% | 0.30% | 2.86% | 2.99% | -83 bps | |
| Efficiency Ratio | 59.40% | 64.09% | 57.04% | 56.32% | 55.68% | 64.49% | 51.77% | 50.38% | -594 bps | |
| Non-Interest Burden | 2.22% | 2.44% | 2.07% | 2.03% | 2.06% | 0.19% | 1.47% | 1.48% | -55 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.11% | 2.69% | -0.14% | 4.19% | 4.85% | 4.05% | 3.71% | -3.51% | -770 bps | |
| Loan Growth (YoY) | 3.84% | -0.75% | 1.35% | 0.96% | -2.96% | -4.74% | -4.96% | -7.19% | -815 bps | |
| Deposit Growth (YoY) | 5.30% | 2.14% | -1.18% | 4.85% | 5.15% | 18.71% | 18.34% | 8.69% | +384 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 | 0.10% | 0.23% | -0.14% | 0.32% | 0.18% | -0.01% | -0.15% | -0.14% | -46 bps | |
| Allowance / Loans | 1.72% | 1.78% | 1.95% | 1.80% | 1.93% | 1.22% | 1.32% | 1.38% | -42 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 | 24.83% | 25.75% | 25.84% | 24.32% | 25.21% | 11.87% | 12.43% | 13.00% | -1,132 bps | |
| Equity / Assets | 19.74% | 19.85% | 19.23% | 19.20% | 19.58% | 8.19% | 8.18% | 9.63% | -957 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.17% | 75.67% | 71.85% | 74.97% | 73.07% | 60.72% | 57.70% | 64.01% | -1,096 bps | |
| Liquid Assets / Assets | 2.49% | 1.18% | 0.63% | 0.63% | 0.62% | 0.63% | 0.61% | 0.65% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |