Coldwater, KS · Cert 4645
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 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.12% | 0.04% | -0.48% | -0.26% | -0.41% | -53 bps | |
| Return on Equity | 0.55% | 0.17% | -2.37% | -1.25% | -1.94% | -249 bps | |
| Net Interest Margin | 2.46% | 2.29% | 2.00% | 2.01% | 1.93% | -54 bps | |
| Efficiency Ratio | 95.17% | 98.58% | 126.67% | 116.00% | 123.92% | +2,876 bps | |
| Non-Interest Burden | 2.33% | 2.25% | 2.59% | 2.37% | 2.44% | +11 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.89% | -5.96% | -1.98% | 0.22% | -2.40% | +349 bps | |
| Loan Growth (YoY) | 15.77% | -10.10% | 20.62% | -39.99% | -43.19% | -5,896 bps | |
| Deposit Growth (YoY) | -8.16% | -6.80% | -1.94% | 0.21% | -2.81% | +534 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.57% | 0.43% | 0.00% | 0.00% | 0.67% | +10 bps | |
| Allowance / Loans | 1.09% | 1.11% | 1.03% | 1.84% | 1.42% | +33 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 66.44% | 61.10% | 62.65% | 78.07% | 79.75% | +1,330 bps | |
| Equity / Assets | 22.44% | 19.31% | 21.16% | 22.32% | 22.72% | +28 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 21.17% | 17.35% | 21.09% | 12.43% | 12.38% | -880 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |