Cottonwood Falls, KS · Cert 4650
FDIC
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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.
Cottonwood Falls, KS · Cert 4650
FDIC
Q2 2012
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 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.15% | -1.18% | -0.18% | 0.12%1 | 0.03%1 | -0.16% | 1.78% | 1.18% | +106 bps | |
| Return on Equity | -11.49% | -11.97% | -1.96% | 1.21% | 0.32% | -1.59% | 16.72% | 11.15% | +994 bps | |
| Net Interest Margin | 3.06% | 2.89% | 3.26% | 3.35% | 3.31% | 3.37% | 3.35% | 3.44% | +9 bps | |
| Efficiency Ratio | 109.80% | 114.02% | 101.60% | 100.94% | 104.78% | 109.00% | 88.82% | 87.71% | -1,323 bps | |
| Non-Interest Burden | 3.39% | 3.34% | 3.32% | 3.38% | 3.49% | 3.70% | 2.93% | 2.94% | -44 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.19% | -0.24% | -0.91% | -6.17% | -4.86% | -11.23% | -1.93% | 1.42% | +760 bps | |
| Loan Growth (YoY) | -9.15% | -4.12% | -2.88% | -0.18% | 4.19% | 4.81% | 14.28% | 8.36% | +855 bps | |
| Deposit Growth (YoY) | 8.14% | -1.16% | -0.23% | -6.66% | -5.20% | -11.31% | -4.10% | 0.04% | +670 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 | 0.95% | 0.68% | 0.78% | 0.26% | 0.24% | 0.17% | -0.06% | -0.06% | -31 bps | |
| Allowance / Loans | 1.99% | 1.98% | 1.81% | 1.78% | 1.97% | 1.79% | 1.66% | 1.85% | +7 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 | 18.38% | 17.15% | 17.65% | 17.09% | 20.07% | 16.71% | 17.26% | 17.46% | +38 bps | |
| Equity / Assets | 9.74% | 9.15% | 9.70% | 10.09% | 10.23% | 10.89% | 10.43% | 10.35% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.04% | 59.73% | 63.00% | 67.40% | 61.59% | 70.59% | 75.08% | 73.01% | +561 bps | |
| Liquid Assets / Assets | 27.97% | 7.11% | 5.22% | 3.16% | 1.52% | 6.39% | 7.31% | 13.27% | +1,011 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |