Haven, KS · Cert 17594
FDIC
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.64% | -0.17% | 3.28% | -8.04% | -1.28% | -1.65% | -0.81% | -1.40% | +663 bps | |
| Return on Equity | 24.63% | -2.29% | 36.81% | -91.75% | -15.05% | -17.66% | -8.72% | -15.30% | +7,645 bps | |
| Net Interest Margin | 3.65% | 3.20% | 3.30% | 3.01% | 2.65% | 2.79% | 2.57% | 2.55% | -46 bps | |
| Efficiency Ratio | 111.25% | 128.09% | 64.66% | 135.74% | 138.69% | 148.26% | 125.84% | 143.33% | +759 bps | |
| Non-Interest Burden | 4.12% | 4.27% | -0.02% | 4.49% | 3.95% | 4.48% | 3.39% | 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 | 6.54% | -1.51% | 5.53% | 11.33% | 0.52% | 0.24% | -0.11% | 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 |