Fort Scott, KS · Cert 4667
FDIC
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, 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.
Fort Scott, KS · Cert 4667
FDIC
Q3 2013
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 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01%1 | 1.15% | 1.12% | 1.10% | 1.12% | 0.80% | 0.33% | 0.91% | -19 bps | |
| Return on Equity | 0.10% | 9.78% | 9.36% | 9.04% | 9.19% | 6.45% | 2.82% | 7.87% | -116 bps | |
| Net Interest Margin | 3.34% | 3.24% | 3.18% | 3.19% | 3.11% | 2.91% | 2.86% | 2.86% | -33 bps | |
| Efficiency Ratio | 92.97% | 69.88% | 68.82% | 80.30% | 78.87% | 81.80% | 93.43% | 86.16% | +586 bps | |
| Non-Interest Burden | 3.11% | 1.79% | 1.67% | 2.22% | 2.05% | 2.07% | 2.59% | 2.24% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.56% | -1.31% | -3.25% | -9.30% | -1.19% | -4.61% | -1.73% | -2.38% | +692 bps | |
| Loan Growth (YoY) | -16.99% | -15.41% | -11.47% | -7.70% | -6.27% | -3.81% | -4.37% | -9.29% | -159 bps | |
| Deposit Growth (YoY) | 2.48% | -2.71% | -4.45% | -4.88% | -3.04% | -3.18% | 2.58% | 0.01% | +489 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 | 1.32% | 1.01% | 1.02% | 0.56% | 0.62% | 0.00% | 0.08% | 0.06% | -50 bps | |
| Allowance / Loans | 2.28% | 2.28% | 2.36% | 2.43% | 2.30% | 2.34% | 2.33% | 2.43% | 0 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 | 17.97% | 18.57% | 17.54% | 17.98% | 18.48% | 18.99% | 18.87% | 19.74% | +176 bps | |
| Equity / Assets | 11.72% | 11.82% | 12.36% | 12.75% | 12.52% | 12.26% | 10.63% | 10.77% | -198 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.55% | 67.57% | 67.86% | 69.71% | 69.17% | 67.13% | 63.26% | 63.23% | -648 bps | |
| Liquid Assets / Assets | 0.02% | 1.11% | 0.46% | 0.16% | 0.02% | 0.01% | 1.89% | 6.01% | +585 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |