Arma, KS · Cert 16678
FDIC
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Arma, KS · Cert 16678
FDIC
Q3 2010
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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.09% | 0.41% | -0.17% | -0.11% | -0.47% | -0.61% | -0.51% | -0.59% | -48 bps | |
| Return on Equity | -0.91% | 4.06% | -1.64% | -1.09% | -4.66% | -6.53% | -5.44% | -6.26% | -516 bps | |
| Net Interest Margin | 4.14% | 3.74% | 3.83% | 3.70% | 3.58% | 3.15% | 3.38% | 3.41% | -28 bps | |
| Efficiency Ratio | 100.21% | 90.18% | 97.74% | 98.48% | 111.83% | 115.79% | 112.82% | 114.72% | +1,624 bps | |
| Non-Interest Burden | 4.15% | 3.30% | 3.73% | 3.63% | 4.08% | 3.74% | 3.90% | 4.02% | +39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.10% | 6.39% | -5.57% | -0.38% | 1.21% | 0.04% | 6.70% | -3.75% | -337 bps | |
| Loan Growth (YoY) | 2.03% | -0.70% | -0.59% | -1.38% | -5.32% | -10.54% | -8.41% | -10.33% | -895 bps | |
| Deposit Growth (YoY) | 5.54% | 7.76% | -6.24% | -0.47% | 2.16% | 0.91% | 8.20% | -3.51% | -304 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 | 0.02% | 0.17% | 0.43% | 0.37% | 0.29% | 0.00% | 0.00% | 0.13% | -25 bps | |
| Allowance / Loans | 0.62% | 0.58% | 0.68% | 0.62% | 0.65% | 0.70% | 0.68% | 0.60% | -2 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 | 16.73% | 16.63% | 16.83% | 16.99% | 16.60% | 17.61% | 17.31% | 19.01% | +203 bps | |
| Equity / Assets | 10.17% | 9.94% | 10.45% | 10.30% | 9.42% | 9.20% | 9.41% | 10.02% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.81% | 53.51% | 58.51% | 56.38% | 50.80% | 47.44% | 49.53% | 52.39% | -399 bps | |
| Liquid Assets / Assets | 4.12% | 6.07% | 8.73% | 11.14% | 12.71% | 12.64% | 13.80% | 14.88% | +374 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |