Hoxie, KS · Cert 4694
FDIC
Q1 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 1.05% | 0.85% | 0.66% | 0.85% | 0.76% | 0.83% | 0.69% | +3 bps | |
| Return on Equity | 8.99% | 9.18% | 7.79% | 6.27% | 7.89% | 6.85% | 7.26% | 5.94% | -33 bps | |
| Net Interest Margin | 3.47% | 3.54% | 3.38% | 3.09% | 3.19% | 3.21% | 3.39% | 3.25% | +16 bps | |
| Efficiency Ratio | 62.21% | 62.50% | 66.94% | 72.85% | 69.00% | 68.76% | 66.61% | 82.61% | +976 bps | |
| Non-Interest Burden | 2.14% | 2.18% | 2.20% | 2.23% | 2.18% | 2.18% | 2.20% | 2.68% | +45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.63% | 2.06% | 6.17% | 4.65% | 8.69% | -0.66% | -3.85% | -6.63% | -1,128 bps | |
| Loan Growth (YoY) | -5.14% | 6.73% | 10.79% | 5.09% | 9.71% | -0.29% | -0.90% | -2.38% | -747 bps | |
| Deposit Growth (YoY) | -6.80% | -5.23% | -0.94% | -3.66% | -0.32% | -1.47% | -3.85% | -1.14% | +252 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 | 0.01% | 0.15% | -0.12% | 0.10% | 0.00% | 1.23% | -0.21% | 0.19% | +9 bps | |
| Allowance / Loans | 1.96% | 1.74% | 1.81% | 1.88% | 1.75% | 1.44% | 1.54% | 1.59% | -29 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 | 20.92% | 19.69% | 19.03% | 20.11% | 19.57% | 19.86% | 20.71% | 21.58% | +147 bps | |
| Equity / Assets | 11.52% | 11.27% | 10.44% | 10.73% | 10.84% | 11.31% | 11.51% | 11.88% | +115 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.19% | 84.05% | 77.20% | 77.72% | 83.87% | 85.05% | 79.57% | 76.74% | -98 bps | |
| Liquid Assets / Assets | 0.06% | 0.05% | 0.05% | 0.06% | 0.06% | 0.06% | 0.06% | 0.07% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |