Clifton, KS · Cert 4640
FDIC
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 2008, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Clifton, KS · Cert 4640
FDIC
Q2 2008
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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.70% | 1.62% | 1.56% | 2.08% | 1.99% | 1.94% | 1.94% | 1.97% | -11 bps | |
| Return on Equity | 18.59% | 17.28% | 15.42% | 20.36% | 19.49% | 19.13% | 19.59% | 20.09% | -27 bps | |
| Net Interest Margin | 3.76% | 3.70% | 3.56% | 3.92% | 3.83% | 3.67% | 3.69% | 4.31% | +39 bps | |
| Efficiency Ratio | 64.74% | 72.47% | 64.87% | 58.62% | 60.22% | 61.33% | 59.39% | 58.94% | +32 bps | |
| Non-Interest Burden | 2.01% | 2.35% | 1.96% | 1.74% | 1.76% | 1.72% | 1.68% | 1.88% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.19% | 4.60% | 1.17% | -0.68% | 0.57% | 8.63% | 5.23% | 8.60% | +928 bps | |
| Loan Growth (YoY) | 3.21% | 9.96% | 2.52% | 3.33% | 6.57% | 6.97% | 11.35% | 3.31% | -2 bps | |
| Deposit Growth (YoY) | 0.23% | -1.59% | -5.58% | -1.58% | 0.11% | 7.72% | 3.46% | 7.94% | +952 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 | -0.24% | 0.13% | 0.04% | -0.50% | -0.39% | -0.22% | 0.05% | 0.06% | +56 bps | |
| Allowance / Loans | 2.54% | 1.72% | 1.76% | 1.90% | 1.92% | 1.96% | 1.93% | 1.91% | +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 | 18.97% | 18.82% | 19.66% | 18.99% | 17.89% | 17.93% | 17.81% | 17.78% | -121 bps | |
| Equity / Assets | 9.92% | 10.14% | 10.07% | 10.43% | 10.16% | 9.92% | 9.92% | 9.62% | -81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.20% | 66.13% | 60.04% | 68.36% | 69.41% | 65.67% | 64.62% | 65.43% | -293 bps | |
| Liquid Assets / Assets | 0.12% | 0.14% | 0.09% | 0.11% | 0.25% | 0.60% | 0.51% | 0.55% | +44 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |