Leavenworth, KS · Cert 4712
FDIC
Q1 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 0.94% | 0.59% | 0.91% | 1.21% | 1.09% | 0.61% | 0.76% | -15 bps | |
| Return on Equity | 8.36% | 9.63% | 6.05% | 9.34% | 11.94% | 10.53% | 5.99% | 7.56% | -178 bps | |
| Net Interest Margin | 3.85% | 3.99% | 3.91% | 3.85% | 4.04% | 4.12% | 4.06% | 3.70% | -15 bps | |
| Efficiency Ratio | 74.38% | 69.35% | 86.11% | 69.65% | 64.68% | 66.64% | 79.66% | 74.77% | +512 bps | |
| Non-Interest Burden | 2.63% | 2.49% | 3.24% | 2.41% | 2.14% | 2.41% | 3.03% | 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 | 0.01% | 0.08% | 1.21% | -0.23% | -0.26% | 0.12% | 0.31% | -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 |