Fort Riley, KS · Cert 19746
FDIC
Q1 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.15% | 2.31% | 1.99% | 0.49% | -0.31% | 1.65% | 1.09% | 1.63% | +114 bps | |
| Return on Equity | 38.51% | 25.51% | 18.62% | 4.49% | -3.02% | 13.45% | 7.51% | 11.11% | +662 bps | |
| Net Interest Margin | 3.04% | 3.12% | 3.58% | 3.46% | 3.33% | 3.28% | 3.42% | 3.53% | +7 bps | |
| Efficiency Ratio | 76.43% | 79.98% | 81.96% | 95.06% | 100.49% | 86.59% | 85.63% | 83.90% | -1,116 bps | |
| Non-Interest Burden | -0.72% | 0.14% | 0.56% | 2.74% | 3.41% | 1.11% | 1.31% | 1.16% | -157 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.95% | 7.93% | -14.65% | -11.51% | -7.32% | -8.20% | 7.80% | -2.04% | +947 bps | |
| Loan Growth (YoY) | -1.58% | 1.20% | 37.29% | 34.51% | 18.47% | 21.58% | -6.86% | -4.95% | -3,946 bps | |
| Deposit Growth (YoY) | 13.28% | 6.84% | -17.94% | -13.65% | -9.00% | -13.11% | 4.16% | -7.05% | +659 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% | 1.25% | 0.98% | 0.57% | 0.75% | 2.25% | 1.52% | 3.73% | +316 bps | |
| Allowance / Loans | 0.93% | 1.11% | 0.69% | 0.76% | 0.92% | 0.63% | 0.91% | 0.68% | -8 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 | 29.34% | 30.73% | 32.23% | 30.76% | 30.14% | 40.57% | 42.75% | 43.05% | +1,229 bps | |
| Equity / Assets | 8.49% | 9.62% | 11.95% | 10.12% | 10.22% | 14.29% | 14.83% | 14.59% | +447 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 17.12% | 17.84% | 28.03% | 23.28% | 22.29% | 24.97% | 25.06% | 23.81% | +53 bps | |
| Liquid Assets / Assets | 14.03% | 14.62% | 17.47% | 15.24% | 18.44% | 23.66% | 24.95% | 23.96% | +871 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |