Junction City, KS · Cert 17278
FDIC
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 2006, 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.
Junction City, KS · Cert 17278
FDIC
Q4 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 0.73% | 0.78% | 0.74% | 1.13% | 1.09% | 1.37% | 1.67% | +93 bps | |
| Return on Equity | 8.01% | 9.41% | 9.89% | 9.15% | 14.00% | 13.79% | 17.17% | 21.13% | +1,197 bps | |
| Net Interest Margin | 2.79% | 3.01% | 2.97% | 3.11% | 3.14% | 3.22% | 3.28% | 3.44% | +33 bps | |
| Efficiency Ratio | 84.27% | 82.49% | 82.13% | 83.82% | 77.19% | 77.35% | 73.07% | 70.38% | -1,344 bps | |
| Non-Interest Burden | 2.10% | 2.17% | 2.12% | 2.32% | 1.99% | 2.10% | 1.89% | 1.89% | -44 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.58% | 23.69% | 1.48% | -10.65% | 11.41% | -11.56% | 7.89% | 24.80% | +3,545 bps | |
| Loan Growth (YoY) | -3.17% | 10.50% | 9.18% | 2.67% | 6.72% | -2.70% | 8.78% | 9.15% | +648 bps | |
| Deposit Growth (YoY) | 2.75% | 26.82% | 2.60% | -10.18% | 12.64% | -12.50% | 7.90% | 26.32% | +3,650 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 | 0.00% | 0.03% | 0.05% | 0.05% | 0.20% | 0.14% | 0.10% | -0.30% | -36 bps | |
| Allowance / Loans | 0.52% | 0.47% | 0.46% | 0.47% | 0.39% | 0.39% | 0.37% | 0.39% | -8 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 | 15.00% | 13.01% | 13.57% | 13.64% | 12.05% | 12.42% | 14.21% | 13.87% | +22 bps | |
| Equity / Assets | 8.55% | 6.75% | 8.27% | 8.65% | 7.52% | 7.69% | 8.22% | 7.47% | -118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.57% | 44.11% | 53.02% | 52.76% | 47.91% | 49.04% | 53.46% | 45.59% | -717 bps | |
| Liquid Assets / Assets | 10.52% | 6.29% | 6.64% | 6.88% | 5.95% | 6.03% | 6.08% | 5.45% | -143 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |