Anthony, KS · Cert 4614
FDIC
Q1 2009
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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.70% | 0.63% | 0.48% | -1.31% | -0.86% | -2.58% | -12.70% | -1,317 bps | |
| Return on Equity | 7.35% | 8.03% | 7.38% | 6.04% | -17.57% | -11.68% | -37.27% | -339% | -34,467 bps | |
| Net Interest Margin | 3.99% | 3.91% | 3.84% | 3.81% | 3.48% | 3.43% | 3.44% | 2.60% | -121 bps | |
| Efficiency Ratio | 76.75% | 75.70% | 77.46% | 79.66% | 82.69% | 86.86% | 92.32% | 161.72% | +8,206 bps | |
| Non-Interest Burden | 3.02% | 2.90% | 2.93% | 2.98% | 2.85% | 3.00% | 3.22% | 4.57% | +159 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.63% | 7.75% | 17.53% | 14.38% | 16.51% | 9.22% | -1.43% | -7.27% | -2,164 bps | |
| Loan Growth (YoY) | 5.80% | 5.90% | 15.84% | 19.10% | 19.58% | 12.83% | 0.52% | -6.01% | -2,511 bps | |
| Deposit Growth (YoY) | 7.94% | 13.33% | 19.73% | 8.69% | 12.62% | 4.44% | -4.55% | -0.64% | -932 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 | 0.22% | 0.14% | 0.15% | -0.02% | 0.48% | 0.73% | 2.14% | 5.44% | +546 bps | |
| Allowance / Loans | 1.24% | 1.34% | 1.28% | 1.35% | 2.08% | 1.89% | 2.72% | 4.81% | +346 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 | 11.49% | 11.33% | 10.84% | 10.73% | 8.76% | 9.15% | 6.93% | 3.34% | -739 bps | |
| Equity / Assets | 8.49% | 8.51% | 7.94% | 7.86% | 6.63% | 6.92% | 5.19% | 2.24% | -562 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.06% | 86.32% | 89.54% | 94.43% | 96.69% | 93.25% | 94.29% | 89.32% | -511 bps | |
| Liquid Assets / Assets | 2.79% | 2.74% | 2.56% | 1.19% | 1.14% | 1.17% | 1.23% | 0.55% | -64 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |