Abilene, KS · Cert 4609
FDIC
Q4 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.30% | 1.30% | 1.36% | 1.55% | 1.16% | 1.18% | 1.57% | 1.40% | -16 bps | |
| Return on Equity | 17.82% | 17.51% | 18.01% | 20.65% | 16.64% | 18.45% | 23.52% | 20.23% | -42 bps | |
| Net Interest Margin | 3.15% | 3.15% | 3.24% | 3.20% | 2.94% | 2.88% | 2.96% | 3.02% | -18 bps | |
| Efficiency Ratio | 53.63% | 54.48% | 51.71% | 50.44% | 66.08% | 56.93% | 56.80% | 65.21% | +1,477 bps | |
| Non-Interest Burden | 1.32% | 1.41% | 1.34% | 1.23% | 1.71% | 1.33% | 1.33% | 1.73% | +50 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.46% | -7.37% | -3.66% | -2.12% | -3.27% | -3.58% | -1.16% | -6.18% | -405 bps | |
| Loan Growth (YoY) | 1.39% | -3.08% | -6.14% | -3.61% | -6.87% | -7.34% | 4.10% | 1.09% | +470 bps | |
| Deposit Growth (YoY) | -2.23% | -2.43% | -1.39% | -6.15% | -4.89% | -4.54% | -3.51% | -1.28% | +487 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 | -0.01% | -0.02% | 0.00% | 0.03% | -0.01% | -0.03% | 0.03% | -0.01% | -4 bps | |
| Allowance / Loans | 1.43% | 1.46% | 1.59% | 1.43% | 1.53% | 1.57% | 1.52% | 1.41% | -1 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 | 15.13% | 14.76% | 16.46% | 16.04% | 15.08% | 14.60% | 15.06% | 13.99% | -205 bps | |
| Equity / Assets | 7.48% | 7.39% | 7.71% | 7.35% | 6.61% | 6.22% | 7.10% | 6.73% | -62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.70% | 55.29% | 51.81% | 59.55% | 55.52% | 53.66% | 55.89% | 60.99% | +143 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.01% | 0.00% | 0.01% | 0.01% | 0.01% | 0.01% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |