Leavenworth, KS · Cert 4713
FDIC
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.33% | 1.30% | 1.34% | 1.25% | -0.10% | 1.19% | 2.25% | 1.16% | -9 bps | |
| Return on Equity | 15.99% | 15.48% | 16.26% | 14.70% | -1.11% | 14.19% | 26.31% | 13.27% | -143 bps | |
| Net Interest Margin | 3.78% | 3.32% | 3.23% | 3.40% | 3.51% | 3.74% | 3.85% | 3.79% | +39 bps | |
| Efficiency Ratio | 71.67% | 71.67% | 65.13% | 67.56% | 70.14% | 74.15% | 60.23% | 78.11% | +1,055 bps | |
| Non-Interest Burden | 2.33% | 1.97% | 1.38% | 1.76% | 1.98% | 2.41% | 1.22% | 2.70% | +94 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 | -0.55% | 0.64% | 0.03% | 0.49% | 1.36% | 0.02% | 0.08% | 0.78% | +29 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 |