Miltonvale, KS · Cert 17315
FDIC
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Miltonvale, KS · Cert 17315
FDIC
Q1 2013
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.04% | 0.59% | 1.10% | 1.24% | 1.14% | 0.91% | 0.77%1 | -33 bps | |
| Return on Equity | 10.25% | 9.84% | 5.51% | 10.05% | 11.90% | 11.33% | 9.55% | 8.93% | -112 bps | |
| Net Interest Margin | 3.60% | 3.51% | 3.36% | 2.97% | 2.54% | 2.51% | 2.50% | 1.58% | -139 bps | |
| Efficiency Ratio | 71.81% | 74.11% | 87.29% | 83.33% | 77.53% | 76.04% | 82.38% | 74.07% | -926 bps | |
| Non-Interest Burden | 2.52% | 2.55% | 2.91% | 2.44% | 1.93% | 1.87% | 2.03% | 1.21% | -123 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.93% | -5.52% | -0.30% | 5.62% | 23.17% | 24.50% | 17.42% | -3.88% | -950 bps | |
| Loan Growth (YoY) | -0.90% | -0.61% | -2.81% | -8.19% | -12.38% | -9.07% | -10.29% | 3.44% | +1,164 bps | |
| Deposit Growth (YoY) | -18.65% | -6.45% | -2.29% | 4.99% | 25.80% | 27.87% | 22.29% | -3.94% | -893 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 | 0.03% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | -0.06% | -6 bps | |
| Allowance / Loans | 1.23% | 1.21% | 1.34% | 1.44% | 1.46% | 1.39% | 1.54% | 0.09% | -135 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 | 19.19% | 19.15% | 20.02% | 20.87% | 19.52% | 18.27% | 16.26% | 16.19% | -468 bps | |
| Equity / Assets | 11.35% | 11.46% | 11.30% | 10.59% | 9.51% | 9.13% | 7.71% | 9.72% | -87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.24% | 56.31% | 52.82% | 46.68% | 39.87% | 40.04% | 38.75% | 50.27% | +359 bps | |
| Liquid Assets / Assets | 1.23% | 8.04% | 7.24% | 13.69% | 7.87% | 3.41% | 6.90% | 0.70% | -1,299 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |