Le Roy, KS · Cert 4715
FDIC
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Le Roy, KS · Cert 4715
FDIC
Q3 2010
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.80% | 1.16% | 0.45% | 0.42% | 0.46% | 1.35% | 1.72% | 1.29% | +87 bps | |
| Return on Equity | 8.31% | 5.65% | 2.20% | 2.09% | 2.28% | 7.14% | 9.07% | 6.69% | +460 bps | |
| Net Interest Margin | 3.64% | 3.06% | 3.21% | 3.20% | 3.16% | 3.22% | 3.67% | 3.79% | +59 bps | |
| Efficiency Ratio | 50.55% | 62.29% | 57.29% | 55.51% | 62.78% | 59.76% | 52.87% | 64.71% | +920 bps | |
| Non-Interest Burden | 1.72% | 1.82% | 1.75% | 1.68% | 1.90% | 1.85% | 1.86% | 2.39% | +71 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.80% | 13.58% | 12.43% | 6.00% | 3.03% | -3.06% | -9.52% | -14.24% | -2,024 bps | |
| Loan Growth (YoY) | 2.13% | 6.61% | -1.10% | -1.49% | -0.59% | -8.28% | -16.91% | -20.13% | -1,864 bps | |
| Deposit Growth (YoY) | 18.16% | 16.40% | 15.57% | 8.18% | 4.37% | 0.09% | -8.86% | -15.03% | -2,322 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 | 0.20% | 0.39% | 1.74% | 1.06% | 0.93% | 0.09% | -0.43% | -0.22% | -128 bps | |
| Allowance / Loans | 1.22% | 1.05% | 0.97% | 1.47% | 1.47% | 1.47% | 1.89% | 1.91% | +43 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 | 30.30% | 28.95% | 28.66% | 28.42% | 28.53% | 27.61% | 32.31% | 34.48% | +606 bps | |
| Equity / Assets | 20.69% | 20.52% | 19.92% | 19.87% | 19.67% | 17.96% | 19.33% | 20.57% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.85% | 89.42% | 86.06% | 87.27% | 80.82% | 81.94% | 78.46% | 82.04% | -523 bps | |
| Liquid Assets / Assets | 1.15% | 1.13% | 1.15% | 1.38% | 1.36% | 1.11% | 3.14% | 2.68% | +130 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |