Pomona, KS · Cert 17141
FDIC
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.39% | 0.39% | -3.57% | 0.37% | -0.69% | -1.16% | -0.77% | +279 bps | |
| Return on Equity | 6.61% | 4.41% | 4.54% | -44.41% | 4.62% | -8.17% | -14.39% | -10.44% | +3,397 bps | |
| Net Interest Margin | 4.23% | 4.13% | 4.02% | 4.38% | 4.19% | 4.22% | 3.63% | 3.96% | -42 bps | |
| Efficiency Ratio | 74.48% | 75.21% | 80.88% | 70.29% | 81.90% | 101.37% | 109.33% | 88.18% | +1,789 bps | |
| Non-Interest Burden | 2.83% | 2.65% | 3.04% | 2.69% | 3.23% | 4.29% | 4.05% | 3.37% | +68 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 | 0.56% | 1.85% | 0.72% | 7.34% | 0.82% | 0.24% | 2.55% | 4.98% | -236 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 |