Arlington, KS · Cert 4620
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.60% | 0.35% | 0.44% | 0.72% | 0.78% | -0.16% | 0.34% | 0.96% | +24 bps | |
| Return on Equity | -6.23% | 3.72% | 4.76% | 7.43% | 7.91% | -1.73% | 3.96% | 11.61% | +418 bps | |
| Net Interest Margin | 2.92% | 2.72% | 3.05% | 3.14% | 3.27% | 2.76% | 3.04% | 3.01% | -13 bps | |
| Efficiency Ratio | 76.14% | 81.61% | 82.86% | 81.08% | 80.09% | 85.71% | 74.43% | 71.77% | -931 bps | |
| Non-Interest Burden | 2.05% | 2.12% | 2.43% | 2.42% | 2.50% | 2.29% | 2.12% | 2.04% | -38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.52% | 4.97% | 4.48% | 1.17% | 4.34% | 9.66% | 18.08% | 28.51% | +2,735 bps | |
| Loan Growth (YoY) | -11.43% | -14.72% | -11.11% | -6.40% | -1.56% | 4.72% | 19.60% | 28.34% | +3,475 bps | |
| Deposit Growth (YoY) | -0.35% | 5.34% | 4.51% | 0.78% | 4.31% | 10.35% | 19.61% | 31.20% | +3,042 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 | 0.36% | 1.87% | -0.05% | 0.18% | 0.04% | 0.35% | 0.03% | -0.06% | -24 bps | |
| Allowance / Loans | 1.62% | 1.52% | 1.46% | 1.35% | 1.36% | 1.67% | 1.53% | 1.37% | +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 | 12.21% | 13.47% | 13.09% | 13.27% | 12.62% | 13.40% | 11.63% | 10.82% | -245 bps | |
| Equity / Assets | 9.52% | 9.17% | 9.43% | 9.96% | 9.65% | 8.66% | 8.36% | 8.19% | -178 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.37% | 61.43% | 69.63% | 75.71% | 71.13% | 58.29% | 69.62% | 74.06% | -165 bps | |
| Liquid Assets / Assets | 3.68% | 6.06% | 6.19% | 4.88% | 3.32% | 7.03% | 4.44% | 3.46% | -142 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |