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 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.57% | 0.01% | -1.25% | -0.42% | -3.43% | 0.32%1 | -1.71% | -6.90% | -649 bps | |
| Return on Equity | -17.38% | 0.42% | -39.95% | -13.06% | -113.92% | 11.90% | -69.28% | -491% | -47,756 bps | |
| Net Interest Margin | 3.58% | 3.56% | 3.52% | 3.73% | 3.91% | 3.83% | 3.24% | 2.97% | -77 bps | |
| Efficiency Ratio | 94.23% | 97.04% | 101.03% | 95.76% | 100.75% | 100.69% | 105.58% | 166.67% | +7,091 bps | |
| Non-Interest Burden | 3.35% | 3.44% | 3.56% | 3.56% | 3.94% | 3.86% | 3.45% | 5.26% | +170 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -21.37% | -17.73% | -18.90% | -18.06% | -14.01% | -15.75% | -7.64% | -8.72% | +934 bps | |
| Loan Growth (YoY) | -21.59% | -18.39% | -16.28% | -16.55% | -14.30% | -17.23% | -20.41% | -28.44% | -1,188 bps | |
| Deposit Growth (YoY) | -20.31% | -17.63% | -18.12% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 5.51% | 4.09% | 2.83% | 2.35% | 4.16% | -0.02% | 3.55% | 11.60% | +925 bps | |
| Allowance / Loans | 3.43% | 2.55% | 2.50% | 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 | 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 | 6.16% | 6.29% | 6.16% | 6.19% | 5.01% | 5.73% | 5.62% | 2.03% | -416 bps | |
| Equity / Assets | 3.32% | 3.18% | 3.09% | 3.31% | 2.70% | 2.70% | 2.24% | 0.54% | -277 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.42% | 78.71% | 77.15% | 76.94% | 77.85% | 75.28% | 64.27% | 57.16% | -1,978 bps | |
| Liquid Assets / Assets | 6.15% | 8.10% | 6.79% | 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 | n/a | n/a | n/a |