Wakefield, KS · Cert 1871
FDIC
Q2 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | -0.48% | 1.04% | 1.12% | -2.81% | -0.50% | 0.42% | 1.07% | -5 bps | |
| Return on Equity | 7.43% | -5.23% | 10.92% | 11.11% | -29.37% | -5.66% | 4.52% | 11.01% | -11 bps | |
| Net Interest Margin | 3.52% | 3.92% | 3.67% | 3.60% | 3.73% | 3.46% | 3.44% | 3.42% | -18 bps | |
| Efficiency Ratio | 70.68% | 77.99% | 64.61% | 69.62% | 66.54% | 76.52% | 68.64% | 74.01% | +439 bps | |
| Non-Interest Burden | 2.26% | 2.92% | 2.15% | 2.31% | 2.27% | 2.49% | 2.16% | 2.35% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.70% | -3.56% | -2.21% | -3.00% | 6.55% | 8.43% | -1.92% | 1.09% | +409 bps | |
| Loan Growth (YoY) | 8.25% | 0.51% | -5.11% | -7.69% | -9.84% | -17.64% | -15.85% | -11.07% | -338 bps | |
| Deposit Growth (YoY) | -2.06% | 4.76% | 2.02% | -0.23% | 6.38% | 14.13% | 0.82% | 5.74% | +597 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 | 0.53% | 2.62% | -0.11% | 0.00% | 2.80% | 11.09% | 0.00% | 2.18% | +218 bps | |
| Allowance / Loans | 1.15% | 1.16% | 1.53% | 1.60% | 3.29% | 1.73% | 2.41% | 1.74% | +15 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 | 14.96% | 14.41% | 15.23% | 15.47% | 14.03% | 14.63% | 17.07% | 16.62% | +115 bps | |
| Equity / Assets | 9.32% | 9.19% | 9.91% | 10.24% | 8.93% | 8.74% | 9.80% | 9.65% | -60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.18% | 73.73% | 63.61% | 65.23% | 60.32% | 53.21% | 53.09% | 54.86% | -1,036 bps | |
| Liquid Assets / Assets | 2.80% | 2.80% | 2.72% | 2.64% | 2.38% | 2.25% | 2.45% | 2.36% | -28 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |