Carbondale, KS · Cert 21174
FDIC
Q2 2012
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 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.30% | 0.41% | 0.17% | 0.23% | 0.23% | 0.40% | -0.26% | -43 bps | |
| Return on Equity | 3.73% | 3.55% | 4.75% | 1.99% | 2.64% | 2.59% | 4.35% | -2.80% | -479 bps | |
| Net Interest Margin | 3.77% | 3.76% | 3.77% | 3.65% | 3.64% | 3.70% | 3.47% | 3.46% | -19 bps | |
| Efficiency Ratio | 91.28% | 92.06% | 88.37% | 94.49% | 93.67% | 94.21% | 92.02% | 106.08% | +1,160 bps | |
| Non-Interest Burden | 3.38% | 3.40% | 3.23% | 3.41% | 3.36% | 3.44% | 3.13% | 3.72% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.95% | -1.14% | 0.07% | -0.19% | -1.93% | -3.16% | -2.51% | -2.82% | -263 bps | |
| Loan Growth (YoY) | 10.52% | 11.11% | 3.26% | -0.50% | -3.94% | -12.19% | -9.83% | -12.52% | -1,202 bps | |
| Deposit Growth (YoY) | 3.01% | -1.49% | -0.18% | -0.37% | -2.30% | -3.84% | -3.03% | -3.24% | -287 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% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.11% | +11 bps | |
| Allowance / Loans | 1.19% | 1.13% | 1.21% | 1.23% | 1.22% | 1.28% | 1.34% | 1.35% | +12 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 | 15.25% | 14.98% | 15.48% | 15.60% | 15.72% | 16.74% | 17.04% | 17.24% | +164 bps | |
| Equity / Assets | 8.65% | 8.78% | 8.48% | 8.76% | 9.03% | 9.41% | 9.00% | 9.03% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.83% | 68.24% | 60.58% | 61.27% | 62.76% | 62.31% | 56.33% | 55.40% | -588 bps | |
| Liquid Assets / Assets | 1.83% | 1.35% | 1.29% | 2.40% | 2.44% | 5.33% | 5.07% | 5.20% | +279 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |