Leavenworth, KS · Cert 4713
FDIC
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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 4713
FDIC
Q3 2009
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.36% | 1.30% | 1.32% | 1.31% | 0.96% | 1.19% | 1.72% | 1.53% | +23 bps | |
| Return on Equity | 16.69% | 15.48% | 15.94% | 15.48% | 11.42% | 14.19% | 20.35% | 17.87% | +239 bps | |
| Net Interest Margin | 3.52% | 3.32% | 3.24% | 3.32% | 3.41% | 3.74% | 3.79% | 3.76% | +44 bps | |
| Efficiency Ratio | 70.48% | 71.67% | 68.19% | 67.98% | 68.52% | 74.15% | 66.31% | 69.86% | +188 bps | |
| Non-Interest Burden | 2.07% | 1.97% | 1.65% | 1.70% | 1.79% | 2.41% | 1.81% | 2.09% | +39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.65% | 5.05% | 4.66% | -3.36% | 0.29% | -4.49% | -3.85% | 3.01% | +637 bps | |
| Loan Growth (YoY) | -4.57% | -1.56% | -0.58% | -8.44% | -1.05% | 1.86% | -1.52% | -1.23% | +720 bps | |
| Deposit Growth (YoY) | 4.73% | 7.93% | 5.83% | 3.28% | 3.24% | -3.24% | -1.84% | 2.93% | -35 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 | 0.04% | 0.64% | 0.33% | 0.39% | 0.63% | 0.02% | 0.05% | 0.29% | -10 bps | |
| Allowance / Loans | 1.78% | 1.64% | 1.79% | 1.90% | 2.23% | 2.22% | 2.34% | 2.36% | +47 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 | 13.16% | 13.01% | 13.26% | 14.17% | 13.10% | 13.12% | 13.56% | 13.80% | -37 bps | |
| Equity / Assets | 8.46% | 8.28% | 8.17% | 8.85% | 8.30% | 8.52% | 8.60% | 8.86% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.25% | 62.79% | 64.31% | 63.37% | 64.45% | 66.10% | 64.51% | 60.80% | -257 bps | |
| Liquid Assets / Assets | 0.01% | 0.06% | 0.06% | 0.03% | 0.06% | 0.03% | 0.06% | 0.08% | +5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |