Leavenworth, KS · Cert 4712
FDIC
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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.
Leavenworth, KS · Cert 4712
FDIC
Q1 2011
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.89% | 0.81% | 0.91% | 1.06% | 1.06% | 0.95% | 0.76% | -15 bps | |
| Return on Equity | 8.98% | 9.19% | 8.42% | 9.34% | 10.64% | 10.60% | 9.47% | 7.56% | -178 bps | |
| Net Interest Margin | 3.90% | 3.98% | 3.96% | 3.85% | 3.99% | 4.06% | 4.04% | 3.70% | -15 bps | |
| Efficiency Ratio | 70.62% | 70.20% | 74.12% | 69.65% | 67.04% | 66.91% | 70.05% | 74.77% | +512 bps | |
| Non-Interest Burden | 2.49% | 2.52% | 2.70% | 2.41% | 2.30% | 2.36% | 2.51% | 2.52% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.19% | 0.33% | -0.77% | -4.31% | -4.27% | -4.60% | -4.80% | -2.00% | +231 bps | |
| Loan Growth (YoY) | 0.13% | -0.36% | -4.91% | -3.02% | -6.35% | -7.06% | -5.30% | -2.54% | +49 bps | |
| Deposit Growth (YoY) | -0.52% | 1.28% | 1.15% | -3.84% | -3.05% | -5.69% | -3.95% | -0.44% | +339 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 | 0.11% | 0.10% | 0.38% | -0.23% | -0.25% | -0.12% | -0.02% | -0.05% | +18 bps | |
| Allowance / Loans | 1.53% | 1.54% | 1.29% | 1.41% | 1.52% | 1.50% | 1.47% | 1.50% | +9 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 | 13.80% | 13.58% | 13.89% | 14.25% | 14.41% | 14.36% | 14.41% | 14.41% | +17 bps | |
| Equity / Assets | 9.82% | 9.78% | 9.59% | 9.87% | 10.32% | 10.35% | 10.05% | 10.03% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.47% | 90.67% | 86.46% | 87.04% | 89.31% | 89.35% | 85.24% | 85.21% | -183 bps | |
| Liquid Assets / Assets | 1.17% | 0.88% | 4.14% | 5.95% | 2.05% | 3.40% | 4.11% | 3.63% | -232 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |