Burlingame, KS · Cert 15794
FDIC
Q2 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.42% | -3.43% | 0.32%1 | -1.71% | -6.90% | -649 bps | |
| Return on Equity | -13.06% | -113.92% | 11.90% | -69.28% | -491% | -47,756 bps | |
| Net Interest Margin | 3.73% | 3.91% | 3.83% | 3.24% | 2.97% | -77 bps | |
| Efficiency Ratio | 95.76% | 100.75% | 100.69% | 105.58% | 166.67% | +7,091 bps | |
| Non-Interest Burden | 3.56% | 3.94% | 3.86% | 3.45% | 5.26% | +170 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -18.06% | -14.01% | -15.75% | -7.64% | -8.72% | +934 bps | |
| Loan Growth (YoY) | -16.55% | -14.30% | -17.23% | -20.41% | -28.44% | -1,188 bps | |
| Deposit Growth (YoY) | -18.09% | -11.48% | -13.46% | -4.46% | -3.68% | +1,441 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 2.35% | 4.16% | -0.02% | 3.55% | 11.60% | +925 bps | |
| Allowance / Loans | 2.21% | 2.36% | 2.54% | 2.58% | 2.16% | -5 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 | 6.19% | 5.01% | 5.73% | 5.62% | 2.03% | -416 bps | |
| Equity / Assets | 3.31% | 2.70% | 2.70% | 2.24% | 0.54% | -277 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.94% | 77.85% | 75.28% | 64.27% | 57.16% | -1,978 bps | |
| Liquid Assets / Assets | 6.83% | 4.83% | 18.13% | 28.86% | 4.08% | -276 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |