Garden City, KS · Cert 35414
FDIC
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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.
Garden City, KS · Cert 35414
FDIC
Q3 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 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.13% | 1.91% | 2.28% | 2.37% | 2.37% | 2.22% | 2.52% | 2.64% | +28 bps | |
| Return on Equity | 16.94% | 14.89% | 17.87% | 18.49% | 18.42% | 17.57% | 19.81% | 20.61% | +212 bps | |
| Net Interest Margin | 4.81% | 5.07% | 5.06% | 5.07% | 4.83% | 4.79% | 4.82% | 4.74% | -33 bps | |
| Efficiency Ratio | 56.03% | 52.39% | 51.14% | 50.53% | 50.28% | 54.40% | 52.00% | 51.49% | +97 bps | |
| Non-Interest Burden | 2.19% | 2.16% | 2.01% | 1.95% | 1.89% | 2.20% | 2.06% | 1.97% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.98% | 2.32% | 5.64% | 10.18% | 10.33% | 13.62% | 9.16% | 6.34% | -383 bps | |
| Loan Growth (YoY) | 6.57% | 4.30% | 7.02% | 5.05% | 6.34% | 2.57% | 1.42% | 2.57% | -248 bps | |
| Deposit Growth (YoY) | 3.87% | 0.72% | 0.48% | 2.41% | 11.27% | 20.67% | 19.58% | 17.12% | +1,470 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 | 0.14% | 0.00% | 1.16% | 0.98% | 1.10% | -0.07% | -0.22% | -0.26% | -124 bps | |
| Allowance / Loans | 2.19% | 2.43% | 1.91% | 1.94% | 1.68% | 1.86% | 1.91% | 1.96% | +3 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 | 15.65% | 14.95% | 14.96% | 15.56% | 16.02% | 15.58% | 16.07% | 16.51% | +95 bps | |
| Equity / Assets | 13.11% | 12.53% | 12.71% | 12.86% | 13.21% | 12.12% | 12.84% | 13.13% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 106.17% | 106.75% | 110.98% | 107.28% | 101.47% | 90.74% | 94.13% | 93.96% | -1,333 bps | |
| Liquid Assets / Assets | 1.51% | 1.54% | 1.56% | 1.52% | 1.51% | 1.51% | 1.51% | 0.89% | -63 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |