Thayer, KS · Cert 25340
FDIC
Q4 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.09% | 0.85% | 1.30% | 1.13% | 0.62% | 0.38% | 0.17% | 1.26% | +14 bps | |
| Return on Equity | 11.55% | 9.07% | 13.66% | 11.73% | 6.61% | 4.23% | 1.88% | 13.41% | +168 bps | |
| Net Interest Margin | 3.54% | 3.74% | 3.67% | 3.53% | 3.00% | 3.02% | 2.98% | 2.66% | -87 bps | |
| Efficiency Ratio | 74.74% | 78.57% | 69.70% | 72.92% | 83.72% | 88.89% | 95.56% | 70.87% | -204 bps | |
| Non-Interest Burden | 2.45% | 2.79% | 2.33% | 2.37% | 2.38% | 2.60% | 2.81% | 1.37% | -100 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.02% | -7.31% | -4.93% | 1.35% | 2.48% | 9.31% | 3.85% | 3.11% | +176 bps | |
| Loan Growth (YoY) | -12.34% | -2.53% | -1.68% | 0.89% | -8.03% | -17.75% | -9.90% | -10.55% | -1,144 bps | |
| Deposit Growth (YoY) | -8.52% | -7.62% | -6.09% | 1.33% | 2.68% | 10.23% | 4.43% | 3.07% | +174 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.00% | 0.91% | 0.97% | 1.05% | 1.08% | 1.11% | 1.08% | 1.17% | +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 | 19.91% | 18.38% | 19.61% | 20.20% | 22.05% | 21.44% | 21.28% | 23.86% | +365 bps | |
| Equity / Assets | 9.36% | 9.36% | 9.67% | 9.56% | 9.28% | 8.69% | 9.22% | 9.65% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.57% | 59.51% | 56.33% | 52.64% | 48.87% | 44.41% | 48.60% | 45.68% | -695 bps | |
| Liquid Assets / Assets | 25.12% | 19.79% | 29.66% | 27.50% | 48.91% | 54.69% | 50.91% | 53.86% | +2,636 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |