Hill City, KS · Cert 27178
FDIC
Q2 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2013, the quarter ended June 30, 2013, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Hill City, KS · Cert 27178
FDIC
Q2 2013
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 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.37% | 0.93% | 0.74% | 0.81% | 0.82% | 0.56% | 0.48% | -25 bps | |
| Return on Equity | 3.27% | 3.19% | 8.42% | 6.63% | 7.24% | 7.34% | 5.04% | 4.33% | -230 bps | |
| Net Interest Margin | 3.62% | 3.55% | 3.32% | 3.33% | 3.31% | 3.29% | 3.06% | 3.13% | -20 bps | |
| Efficiency Ratio | 79.32% | 78.88% | 69.73% | 72.58% | 70.32% | 70.50% | 75.07% | 75.71% | +313 bps | |
| Non-Interest Burden | 2.85% | 2.79% | 2.19% | 2.35% | 2.26% | 2.26% | 2.29% | 2.36% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.26% | 3.95% | 4.30% | 7.03% | 8.34% | 5.19% | 2.28% | 2.34% | -469 bps | |
| Loan Growth (YoY) | -3.36% | -0.71% | -3.88% | -0.24% | 4.15% | 3.86% | 4.33% | 6.34% | +658 bps | |
| Deposit Growth (YoY) | -1.43% | 4.41% | 4.87% | 7.69% | 9.01% | 5.40% | 1.81% | -0.01% | -770 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 | -0.07% | -0.06% | 0.25% | 0.10% | 0.04% | 0.03% | -0.02% | -0.01% | -12 bps | |
| Allowance / Loans | 1.64% | 1.77% | 1.96% | 1.95% | 1.98% | 1.99% | 2.25% | 2.16% | +21 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 | 17.62% | 17.04% | 18.63% | 17.35% | 17.85% | 17.49% | 18.95% | 17.92% | +56 bps | |
| Equity / Assets | 11.90% | 11.11% | 10.90% | 11.25% | 11.41% | 11.01% | 11.29% | 10.99% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.98% | 70.39% | 63.66% | 68.20% | 69.73% | 69.36% | 65.24% | 72.53% | +433 bps | |
| Liquid Assets / Assets | 11.47% | 11.77% | 11.43% | 10.27% | 14.16% | 9.88% | 10.28% | 9.85% | -42 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |