Wellsville, KS · Cert 17923
FDIC
Q1 2012
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 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 1.40% | 1.15% | 1.43% | 1.13% | 1.76% | 1.57% | -0.71% | -214 bps | |
| Return on Equity | 12.49% | 15.45% | 12.86% | 17.82% | 13.63% | 20.10% | 17.38% | -7.91% | -2,573 bps | |
| Net Interest Margin | 3.97% | 3.95% | 4.04% | 4.05% | 4.06% | 3.94% | 3.94% | 3.42% | -63 bps | |
| Efficiency Ratio | 71.94% | 69.83% | 74.84% | 67.22% | 71.11% | 69.92% | 71.28% | 117.60% | +5,039 bps | |
| Non-Interest Burden | 2.60% | 2.48% | 2.73% | 2.42% | 2.66% | 2.51% | 2.57% | 4.15% | +173 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.76% | 11.23% | 6.28% | 8.49% | 7.66% | 7.43% | 9.96% | 10.34% | +185 bps | |
| Loan Growth (YoY) | 6.40% | 2.93% | 8.62% | -0.56% | -2.28% | -1.55% | -5.93% | -6.56% | -600 bps | |
| Deposit Growth (YoY) | 9.29% | 7.25% | 7.36% | 9.72% | 7.94% | 10.65% | 9.48% | 10.25% | +53 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 | -0.04% | -0.02% | 0.15% | 0.00% | 0.91% | 0.55% | 0.42% | -0.11% | -11 bps | |
| Allowance / Loans | 1.59% | 1.63% | 1.64% | 1.83% | 1.70% | 1.83% | 1.88% | 2.00% | +17 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 | 16.57% | 14.89% | 14.98% | 14.98% | 15.44% | 16.79% | 17.12% | 14.60% | -38 bps | |
| Equity / Assets | 8.99% | 9.52% | 8.46% | 7.66% | 8.82% | 9.95% | 10.14% | 7.91% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.01% | 55.97% | 58.58% | 51.26% | 48.90% | 49.80% | 50.34% | 43.44% | -782 bps | |
| Liquid Assets / Assets | 0.22% | 0.22% | 0.22% | 0.20% | 0.20% | 0.20% | 0.20% | 0.18% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |