Pomona, KS · Cert 17141
FDIC
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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.
Pomona, KS · Cert 17141
FDIC
Q2 2009
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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.57% | 0.39% | -1.63% | -0.98% | -0.91% | -1.16% | -0.97% | +66 bps | |
| Return on Equity | 7.40% | 6.64% | 4.54% | -19.53% | -11.75% | -10.87% | -14.39% | -12.43% | +710 bps | |
| Net Interest Margin | 3.88% | 4.01% | 4.02% | 4.22% | 4.30% | 4.45% | 3.63% | 3.75% | -47 bps | |
| Efficiency Ratio | 73.32% | 73.84% | 80.88% | 75.34% | 77.44% | 82.93% | 109.33% | 98.23% | +2,289 bps | |
| Non-Interest Burden | 2.53% | 2.60% | 3.04% | 2.89% | 3.06% | 3.49% | 4.05% | 3.67% | +79 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.21% | 7.12% | 2.57% | -1.76% | -4.62% | -5.06% | -6.63% | 1.14% | +290 bps | |
| Loan Growth (YoY) | 5.00% | 3.35% | -0.71% | -10.92% | -13.07% | -15.66% | -11.05% | -2.18% | +874 bps | |
| Deposit Growth (YoY) | 12.74% | 6.60% | 2.25% | -0.92% | -1.91% | -3.83% | -5.75% | 1.95% | +287 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 | 0.60% | 0.92% | 0.72% | 4.05% | 3.09% | 2.49% | 2.55% | 3.73% | -33 bps | |
| Allowance / Loans | 0.99% | 0.93% | 0.97% | 1.87% | 1.88% | 2.29% | 2.08% | 1.45% | -42 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 | 12.91% | 13.38% | 13.39% | 13.13% | 14.17% | 14.45% | 13.50% | 12.94% | -18 bps | |
| Equity / Assets | 8.58% | 8.98% | 8.27% | 7.78% | 8.30% | 8.57% | 7.59% | 7.24% | -54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.95% | 86.54% | 75.89% | 75.07% | 76.17% | 75.89% | 71.63% | 72.03% | -304 bps | |
| Liquid Assets / Assets | 4.52% | 1.71% | 0.00% | 0.00% | 1.28% | 1.34% | 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 |