Hazelton, KS · Cert 17984
FDIC
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Hazelton, KS · Cert 17984
FDIC
Q4 2005
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.76% | 1.57% | 1.58% | 1.51% | 1.56% | 1.45% | 1.40% | 1.37% | -14 bps | |
| Return on Equity | 10.23% | 9.28% | 9.06% | 8.61% | 8.79% | 7.99% | 7.71% | 7.89% | -72 bps | |
| Net Interest Margin | 3.68% | 3.52% | 3.56% | 3.48% | 3.46% | 3.53% | 3.45% | 3.31% | -17 bps | |
| Efficiency Ratio | 54.90% | 55.21% | 55.24% | 57.89% | 58.70% | 59.78% | 61.87% | 62.63% | +474 bps | |
| Non-Interest Burden | 1.88% | 1.82% | 1.84% | 1.90% | 1.90% | 1.99% | 2.00% | 1.93% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.96% | 4.55% | -2.90% | -7.70% | -5.94% | -7.98% | 1.00% | 7.10% | +1,480 bps | |
| Loan Growth (YoY) | 4.28% | 6.50% | 3.56% | -13.51% | -8.92% | 6.03% | 15.51% | 7.85% | +2,136 bps | |
| Deposit Growth (YoY) | 11.15% | 7.61% | -4.17% | -6.12% | -7.31% | -10.58% | 2.20% | 6.74% | +1,286 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 | 0.26% | 0.16% | 0.11% | 0.07% | 0.00% | 0.00% | 0.00% | 0.00% | -7 bps | |
| Allowance / Loans | 2.25% | 2.85% | 2.93% | 2.54% | 2.47% | 2.69% | 2.54% | 2.36% | -19 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 | 32.79% | 35.17% | 37.76% | 36.61% | 32.36% | 39.79% | 39.32% | 34.20% | -241 bps | |
| Equity / Assets | 18.03% | 16.46% | 19.18% | 17.84% | 17.69% | 18.81% | 18.18% | 14.78% | -306 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 37.21% | 28.37% | 30.19% | 34.23% | 36.56% | 33.63% | 34.12% | 34.58% | +36 bps | |
| Liquid Assets / Assets | 0.00% | 5.78% | 0.00% | 0.00% | 1.77% | 1.80% | 5.76% | 12.92% | +1,292 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |