Hill City, KS · Cert 27178
FDIC
Q2 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.34% | 0.93% | 0.54% | 0.96% | 0.85% | 0.56% | 0.40% | -14 bps | |
| Return on Equity | 5.86% | 2.92% | 8.42% | 4.90% | 8.44% | 7.60% | 5.04% | 3.59% | -131 bps | |
| Net Interest Margin | 3.72% | 3.68% | 3.32% | 3.37% | 3.32% | 3.41% | 3.06% | 3.12% | -25 bps | |
| Efficiency Ratio | 75.31% | 77.62% | 69.73% | 75.57% | 65.74% | 71.04% | 75.07% | 76.36% | +79 bps | |
| Non-Interest Burden | 2.80% | 2.85% | 2.19% | 2.52% | 2.11% | 2.39% | 2.29% | 2.37% | -15 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 | 0.05% | -0.05% | 0.25% | -0.03% | -0.08% | -0.01% | -0.02% | -0.01% | +2 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 |