Arlington, KS · Cert 4620
FDIC
Q3 2010
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.35% | 0.40% | 0.51% | 0.57% | -0.16% | 0.10% | 0.40% | -10 bps | |
| Return on Equity | 2.25% | 3.72% | 4.25% | 5.32% | 5.98% | -1.73% | 1.12% | 4.67% | -65 bps | |
| Net Interest Margin | 3.11% | 2.72% | 2.88% | 3.01% | 3.04% | 2.76% | 2.83% | 2.77% | -23 bps | |
| Efficiency Ratio | 73.62% | 81.61% | 82.27% | 81.85% | 81.38% | 85.71% | 79.69% | 76.88% | -497 bps | |
| Non-Interest Burden | 2.12% | 2.12% | 2.28% | 2.35% | 2.37% | 2.29% | 2.15% | 2.02% | -33 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 | 0.48% | 1.87% | 0.82% | 0.58% | 0.45% | 0.35% | 0.16% | 0.07% | -51 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 |