Whiting, KS · Cert 17104
FDIC
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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.
Whiting, KS · Cert 17104
FDIC
Q3 2012
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 0.58% | 0.46% | 0.45% | 0.44% | 0.38% | 0.43% | 0.43% | -1 bps | |
| Return on Equity | 7.07% | 5.81% | 4.64% | 4.51% | 4.48% | 4.03% | 4.63% | 4.70% | +19 bps | |
| Net Interest Margin | 3.33% | 3.46% | 3.50% | 3.37% | 3.22% | 3.04% | 3.09% | 3.10% | -27 bps | |
| Efficiency Ratio | 67.70% | 70.68% | 70.59% | 72.11% | 72.95% | 75.47% | 73.52% | 73.74% | +163 bps | |
| Non-Interest Burden | 2.05% | 2.43% | 2.44% | 2.40% | 2.33% | 2.27% | 2.24% | 2.25% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.75% | -10.27% | 6.05% | 4.83% | 8.93% | 10.45% | 8.50% | 11.69% | +686 bps | |
| Loan Growth (YoY) | 4.16% | 2.28% | 2.67% | -10.90% | -9.01% | -4.06% | -4.96% | 6.46% | +1,736 bps | |
| Deposit Growth (YoY) | -12.73% | -12.15% | 7.09% | 5.76% | 10.23% | 12.08% | 9.78% | 13.32% | +755 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 | 0.47% | 1.06% | 1.08% | 0.81% | 0.57% | 0.00% | 0.13% | 0.08% | -73 bps | |
| Allowance / Loans | 1.31% | 1.15% | 1.13% | 1.26% | 1.20% | 1.26% | 1.36% | 1.39% | +13 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 | 11.12% | 11.55% | 12.09% | 13.13% | 12.43% | 12.33% | 12.69% | 12.57% | -56 bps | |
| Equity / Assets | 10.07% | 9.88% | 9.74% | 9.82% | 9.53% | 9.19% | 9.09% | 8.97% | -86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.73% | 93.40% | 86.17% | 79.60% | 83.14% | 79.95% | 74.61% | 74.78% | -482 bps | |
| Liquid Assets / Assets | 2.98% | 9.08% | 14.03% | 18.23% | 17.11% | 16.68% | 21.80% | 21.76% | +353 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |