Newton, KS · Charter 2363
Q3 2007
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 0.57% | -0.08% | -0.36% | -0.44% | -0.70% | -0.49% | -0.60% | -24 bps | |
| Return on Equity | 17.51% | 14.56% | -1.93% | -9.95% | -11.91% | -20.37% | -14.29% | -17.97% | -802 bps | |
| Net Interest Margin | 6.13% | 4.72% | 4.97% | 4.72% | 4.97% | 4.50% | 4.54% | 4.48% | -24 bps | |
| Efficiency Ratio | 65.47% | 127.60% | 112.43% | 112.03% | 110.51% | 110.84% | 107.17% | 108.67% | -335 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -18.50% | -13.81% | -13.60% | -6.50% | -6.44% | -7.47% | -5.13% | -8.63% | -213 bps | |
| Loan Growth (YoY) | -22.90% | -29.04% | -25.27% | -20.18% | -18.76% | -6.36% | 3.19% | -1.44% | +1,875 bps | |
| Share Growth (YoY) | -17.09% | -16.72% | -13.33% | -6.64% | -5.84% | -7.02% | -4.98% | -8.20% | -156 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 12.75% | 1.22% | 1.47% | 0.39% | 0.71% | 0.44% | 0.31% | 0.32% | -7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 14.04% | 1.55% | 1.77% | 1.82% | 1.82% | 1.54% | 1.21% | 1.42% | -41 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 3.91% | 3.90% | 3.90% | 3.62% | 3.73% | 3.45% | 3.46% | 3.36% | -27 bps | |
| Net Worth / Assets | 3.91% | 3.90% | 3.90% | 3.62% | 3.73% | 3.45% | 3.46% | 3.36% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.42% | 58.14% | 59.84% | 59.31% | 63.35% | 58.55% | 64.98% | 63.68% | +437 bps | |
| Liquid Assets / Assets | 30.84% | 37.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |