Vermillion, KS · Cert 16404
FDIC
Q4 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | -4.45% | 6.19% | 1.78% | 1.48% | 2.02% | 1.27% | 1.35% | -43 bps | |
| Return on Equity | 0.64% | -23.38% | 29.45% | 7.86% | 7.89% | 14.04% | 9.00% | 9.11% | +125 bps | |
| Net Interest Margin | 3.45% | 3.74% | -3.84% | 3.57% | 3.54% | 3.26% | 3.41% | 3.24% | -33 bps | |
| Efficiency Ratio | 90.97% | 209% | 47.44% | 44.94% | 53.59% | 69.72% | 62.41% | 57.14% | +1,221 bps | |
| Non-Interest Burden | 3.12% | 8.11% | -10.04% | 1.43% | 1.75% | 2.14% | 2.03% | 1.74% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.72% | -9.91% | -3.49% | -1.01% | -9.12% | 0.06% | -1.09% | -5.25% | -423 bps | |
| Loan Growth (YoY) | -12.13% | -11.69% | -19.08% | -17.70% | -23.81% | -17.31% | -4.39% | -3.31% | +1,439 bps | |
| Deposit Growth (YoY) | -2.81% | -7.64% | -5.71% | -5.40% | -5.44% | 1.43% | 1.64% | -1.96% | +344 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 | -0.06% | -0.12% | 0.33% | -0.35% | -0.08% | 1.55% | 0.62% | 0.00% | +35 bps | |
| Allowance / Loans | 1.75% | 1.76% | 1.92% | 2.11% | 2.43% | 1.77% | 1.65% | 1.80% | -30 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 | 37.78% | 35.64% | 38.23% | 41.39% | 25.05% | 23.68% | 23.77% | 25.49% | -1,591 bps | |
| Equity / Assets | 18.90% | 19.20% | 22.81% | 22.46% | 14.87% | 13.93% | 14.20% | 15.35% | -711 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 49.72% | 55.77% | 50.52% | 46.55% | 40.06% | 45.47% | 47.52% | 45.91% | -64 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |