Highland, KS · Cert 17619
FDIC
Q2 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.20% | 0.71% | 0.19% | 0.08% | 0.27% | -0.23% | -0.29% | 0.50%1 | +42 bps | |
| Return on Equity | 7.40% | 4.66% | 1.37% | 0.59% | 1.95% | -1.55% | -1.95% | 3.72% | +313 bps | |
| Net Interest Margin | 3.86% | 3.35% | 2.31% | 2.50% | 2.71% | 2.55% | 2.37% | 2.33% | -17 bps | |
| Efficiency Ratio | 70.45% | 81.97% | 93.07% | 96.94% | 90.38% | 108.51% | 112.50% | 101.30% | +436 bps | |
| Non-Interest Burden | 2.66% | 2.70% | 2.14% | 2.42% | 2.43% | 2.77% | 2.68% | 2.36% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.39% | 7.92% | 11.40% | 16.26% | 20.01% | -12.79% | -2.51% | 5.36% | -1,090 bps | |
| Loan Growth (YoY) | -0.16% | 3.86% | -1.72% | -9.66% | -10.71% | -8.64% | -8.20% | -6.26% | +341 bps | |
| Deposit Growth (YoY) | -1.78% | 9.62% | 13.48% | 19.64% | 24.09% | -15.03% | -2.88% | 6.22% | -1,342 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% | 0.09% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 3.17% | 3.64% | 4.03% | 3.60% | 3.53% | 3.99% | 4.39% | 3.84% | +24 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 | 31.38% | 32.83% | 33.30% | 32.10% | 31.31% | 36.41% | 34.62% | 32.99% | +88 bps | |
| Equity / Assets | 16.21% | 14.36% | 13.04% | 14.03% | 13.48% | 16.53% | 13.35% | 13.30% | -73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 47.61% | 35.65% | 29.04% | 35.17% | 34.26% | 38.33% | 27.45% | 31.04% | -413 bps | |
| Liquid Assets / Assets | 17.17% | 22.12% | 23.35% | 25.02% | 24.00% | 28.41% | 22.58% | 16.95% | -807 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |