Erie, KS · Cert 1875
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 | 1.54% | 1.48% | 0.92% | 1.25% | 1.05% | 0.84% | 0.82% | 0.33% | -91 bps | |
| Return on Equity | 16.55% | 16.24% | 11.23% | 15.60% | 12.24% | 9.38% | 10.28% | 4.71% | -1,090 bps | |
| Net Interest Margin | 3.93% | 3.82% | 3.57% | 3.37% | 3.55% | 3.11% | 2.75% | 2.40% | -97 bps | |
| Efficiency Ratio | 66.38% | 67.69% | 76.47% | 68.02% | 73.30% | 78.70% | 75.60% | 87.11% | +1,910 bps | |
| Non-Interest Burden | 2.38% | 2.38% | 2.61% | 2.09% | 2.45% | 2.30% | 1.89% | 2.03% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.07% | 15.06% | 14.72% | 10.16% | 6.98% | 2.40% | 16.41% | 21.79% | +1,163 bps | |
| Loan Growth (YoY) | 8.66% | 9.59% | 6.97% | 3.36% | 6.64% | -0.13% | -5.08% | -1.55% | -490 bps | |
| Deposit Growth (YoY) | 3.50% | 16.53% | 16.24% | 11.16% | 7.80% | 2.01% | 14.26% | 20.40% | +924 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.05% | 1.03% | 1.00% | 1.01% | 0.98% | 1.03% | 1.05% | 1.03% | +2 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 | 19.26% | 18.35% | 17.84% | 18.24% | 18.06% | 19.90% | 20.07% | 19.18% | +95 bps | |
| Equity / Assets | 9.80% | 8.46% | 7.87% | 8.11% | 9.16% | 8.84% | 7.24% | 6.96% | -116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.23% | 55.30% | 52.08% | 52.59% | 60.57% | 54.14% | 43.27% | 43.00% | -959 bps | |
| Liquid Assets / Assets | 36.14% | 32.84% | 48.48% | 48.49% | 41.54% | 47.46% | 57.98% | 58.13% | +964 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |