Garden City, KS · Cert 35414
FDIC
Q3 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.80% | 1.91% | 2.67% | 2.54% | 2.38% | 2.22% | 2.80% | 2.89% | +35 bps | |
| Return on Equity | 13.79% | 14.89% | 21.16% | 19.85% | 18.27% | 17.57% | 22.46% | 22.27% | +242 bps | |
| Net Interest Margin | 5.11% | 5.07% | 5.17% | 5.32% | 5.03% | 4.79% | 4.85% | 4.83% | -50 bps | |
| Efficiency Ratio | 61.76% | 52.39% | 50.00% | 49.40% | 49.56% | 54.40% | 49.65% | 50.52% | +112 bps | |
| Non-Interest Burden | 2.64% | 2.16% | 1.92% | 1.94% | 2.03% | 2.20% | 1.92% | 1.90% | -4 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 | 0.85% | 0.00% | 2.33% | 0.63% | 1.51% | -0.07% | -0.38% | -0.34% | -97 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 |