Lenexa, KS · Cert 22924
FDIC
Q1 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 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.70% | 1.87% | 1.86% | -0.62% | -0.57% | -0.14% | -1.53% | 0.64% | +126 bps | |
| Return on Equity | 16.96% | 17.62% | 17.13% | -5.27% | -4.97% | -1.23% | -13.33% | 5.77% | +1,104 bps | |
| Net Interest Margin | 3.33% | 3.41% | 3.48% | 3.06% | 2.98% | 2.90% | 2.87% | 2.67% | -39 bps | |
| Efficiency Ratio | 70.51% | 72.08% | 74.01% | 88.34% | 103.48% | 102.71% | 152.69% | 96.54% | +819 bps | |
| Non-Interest Burden | 2.20% | 2.31% | 2.42% | 2.63% | 3.09% | 2.98% | 4.60% | 2.55% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.94% | -17.58% | -21.75% | -22.29% | -20.33% | -12.18% | -11.76% | -8.23% | +1,406 bps | |
| Loan Growth (YoY) | -32.62% | -31.40% | -25.28% | -31.79% | -37.67% | -44.80% | -45.13% | -45.97% | -1,418 bps | |
| Deposit Growth (YoY) | -11.18% | -19.53% | -22.11% | -20.56% | -18.81% | -8.66% | -12.61% | -6.60% | +1,396 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 | 0.95% | 1.22% | 0.90% | 2.30% | 3.08% | 2.35% | 1.85% | -2.07% | -437 bps | |
| Allowance / Loans | 3.57% | 2.92% | 2.45% | 2.90% | 2.55% | 2.79% | 2.91% | 3.43% | +53 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 | 20.13% | 23.00% | 22.23% | 22.69% | 22.45% | 26.40% | 25.99% | 25.49% | +280 bps | |
| Equity / Assets | 11.03% | 12.65% | 11.90% | 11.46% | 11.21% | 11.85% | 10.92% | 11.25% | -22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.89% | 56.91% | 56.82% | 49.61% | 44.44% | 34.39% | 35.67% | 28.70% | -2,091 bps | |
| Liquid Assets / Assets | 10.37% | 1.55% | 8.78% | 0.04% | 1.29% | 2.41% | 20.30% | 4.39% | +435 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |