Topeka, KS · Cert 22728
FDIC
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.69% | 3.96% | 4.51% | 3.96% | 3.74% | -1.37% | 2.85% | -2.82% | -678 bps | |
| Return on Equity | 42.21% | 47.10% | 54.74% | 49.80% | 48.73% | -19.50% | 42.38% | -43.78% | -9,358 bps | |
| Net Interest Margin | 6.46% | 6.34% | 6.67% | 6.20% | 6.25% | 5.54% | 4.49% | 2.88% | -332 bps | |
| Efficiency Ratio | 25.04% | 26.24% | 22.71% | 23.17% | 24.26% | 39.74% | 29.51% | 46.43% | +2,326 bps | |
| Non-Interest Burden | 1.44% | 1.49% | 1.34% | 1.29% | 1.35% | 2.08% | 1.18% | 1.23% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.16% | 37.55% | 45.58% | 43.84% | 37.70% | 36.42% | 26.90% | 22.33% | -2,151 bps | |
| Loan Growth (YoY) | 25.36% | 38.78% | 46.64% | 43.38% | 39.23% | 33.43% | 22.22% | 17.32% | -2,606 bps | |
| Deposit Growth (YoY) | 20.22% | 33.52% | 57.28% | 57.34% | 42.68% | 53.89% | 32.47% | 35.88% | -2,147 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% | 0.31% | 0.05% | 0.19% | 1.52% | 4.20% | 0.00% | 0.23% | +3 bps | |
| Allowance / Loans | 1.43% | 1.32% | 1.36% | 1.48% | 1.26% | 1.35% | 1.43% | 2.65% | +117 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 | 12.57% | 11.74% | 11.52% | 10.78% | 10.57% | 9.40% | 10.01% | 8.98% | -180 bps | |
| Equity / Assets | 8.64% | 8.21% | 8.25% | 7.66% | 7.70% | 6.48% | 6.97% | 5.92% | -173 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 128.34% | 130.23% | 116.83% | 119.20% | 125.23% | 112.92% | 107.79% | 102.93% | -1,628 bps | |
| Liquid Assets / Assets | 0.01% | 1.10% | 0.00% | 0.10% | 0.00% | 0.26% | 0.22% | 0.18% | +9 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |