Haven, KS · Cert 17594
FDIC
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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.
Haven, KS · Cert 17594
FDIC
Q1 2010
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.38%1 | 1.01% | -8.04% | -4.66% | -3.69% | -3.00% | -1.40% | +663 bps | |
| Return on Equity | 9.52% | 5.56% | 13.69% | -91.75% | -52.06% | -40.74% | -32.93% | -15.30% | +7,645 bps | |
| Net Interest Margin | 3.33% | 3.49% | 3.79% | 3.01% | 2.85% | 2.90% | 2.88% | 2.55% | -46 bps | |
| Efficiency Ratio | 110.77% | 116.14% | 95.42% | 135.74% | 137.05% | 140.52% | 137.36% | 143.33% | +759 bps | |
| Non-Interest Burden | 3.75% | 4.15% | 3.53% | 4.49% | 4.26% | 4.42% | 4.26% | 3.97% | -53 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.87% | -23.24% | -25.00% | -25.12% | -21.12% | -11.05% | -7.74% | -7.71% | +1,741 bps | |
| Loan Growth (YoY) | -27.71% | -32.12% | -37.25% | -33.95% | -26.16% | -11.33% | -12.55% | -20.24% | +1,371 bps | |
| Deposit Growth (YoY) | -7.96% | -24.18% | -27.72% | -25.83% | -23.25% | -12.49% | -7.39% | -9.20% | +1,662 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 | 4.37% | 2.80% | 3.61% | 11.33% | 6.23% | 4.00% | 3.20% | 1.80% | -953 bps | |
| Allowance / Loans | 3.23% | 4.26% | 3.14% | 3.98% | 4.07% | 3.77% | 4.09% | 4.34% | +36 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 | 10.23% | 11.60% | 13.62% | 11.04% | 13.40% | 12.47% | 12.63% | 13.18% | +214 bps | |
| Equity / Assets | 6.93% | 8.05% | 9.85% | 7.67% | 9.36% | 9.35% | 9.33% | 9.02% | +135 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.65% | 55.47% | 57.07% | 52.14% | 50.65% | 56.21% | 53.89% | 45.80% | -634 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 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 |