Clifton, KS · Cert 4640
FDIC
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.59% | 1.35% | 1.56% | 2.56% | 1.81% | 1.85% | 1.94% | 1.99% | -57 bps | |
| Return on Equity | 16.84% | 13.50% | 15.42% | 24.97% | 17.55% | 18.39% | 19.59% | 20.33% | -463 bps | |
| Net Interest Margin | 3.80% | 3.69% | 3.56% | 4.12% | 3.67% | 3.61% | 3.69% | 4.24% | +11 bps | |
| Efficiency Ratio | 66.39% | 96.12% | 64.87% | 53.46% | 63.53% | 64.56% | 59.39% | 58.49% | +503 bps | |
| Non-Interest Burden | 2.12% | 3.50% | 1.96% | 1.44% | 1.80% | 1.79% | 1.68% | 1.76% | +33 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 | 0.00% | 1.23% | 0.04% | -1.04% | -0.18% | 0.28% | 0.05% | 0.07% | +111 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 |