Corning, KS · Cert 18020
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.
Corning, KS · Cert 18020
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 | 1.29% | 1.29% | 1.37% | 1.30% | 3.81% | 0.03% | 0.61% | 1.15% | -14 bps | |
| Return on Equity | 13.14% | 13.26% | 14.04% | 13.31% | 37.55% | 0.25% | 4.95% | 8.87% | -444 bps | |
| Net Interest Margin | 3.76% | 3.77% | 3.83% | 3.89% | 4.03% | 2.18% | 2.89% | 3.34% | -56 bps | |
| Efficiency Ratio | 52.70% | 53.33% | 51.74% | 55.27% | 51.85% | 47.62% | 47.67% | 51.74% | -353 bps | |
| Non-Interest Burden | 1.79% | 1.81% | 1.77% | 1.95% | 1.75% | 0.99% | 1.32% | 1.68% | -27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.21% | 6.80% | 2.53% | 0.53% | -6.04% | 0.91% | -2.31% | -3.75% | -428 bps | |
| Loan Growth (YoY) | 1.59% | 2.56% | 4.81% | 2.54% | -13.15% | -17.26% | -18.44% | -22.46% | -2,500 bps | |
| Deposit Growth (YoY) | 6.74% | 8.00% | 3.50% | 1.42% | -6.27% | -4.54% | -9.63% | -9.97% | -1,138 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 | -0.16% | -0.07% | -0.05% | -0.04% | 0.00% | 0.00% | 0.00% | 0.00% | +4 bps | |
| Allowance / Loans | 1.65% | 1.52% | 1.54% | 1.60% | 1.50% | 1.45% | 1.50% | 1.64% | +4 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 | 17.22% | 16.53% | 16.67% | 15.96% | 18.62% | 18.36% | 18.80% | 21.66% | +570 bps | |
| Equity / Assets | 9.62% | 9.57% | 9.80% | 9.74% | 10.58% | 14.24% | 14.79% | 15.73% | +599 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.55% | 84.76% | 84.03% | 81.32% | 70.93% | 73.47% | 75.84% | 70.04% | -1,128 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 |