Emporia, KS · Cert 4723
FDIC
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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.
Emporia, KS · Cert 4723
FDIC
Q2 2012
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 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.06% | -0.68% | 0.26% | 0.24% | 0.25% | 0.34% | 0.27% | 0.31% | +7 bps | |
| Return on Equity | 0.81% | -8.99% | 3.64% | 3.22% | 3.26% | 4.36% | 3.23% | 3.55% | +33 bps | |
| Net Interest Margin | 2.74% | 2.92% | 2.67% | 2.97% | 3.05% | 3.06% | 2.83% | 2.86% | -11 bps | |
| Efficiency Ratio | 82.94% | 89.93% | 87.44% | 83.72% | 83.57% | 82.15% | 87.80% | 86.36% | +265 bps | |
| Non-Interest Burden | 2.31% | 2.72% | 2.40% | 2.54% | 2.59% | 2.55% | 2.55% | 2.54% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.51% | -5.15% | -3.67% | -16.65% | -6.45% | -10.78% | -7.28% | -4.89% | +1,176 bps | |
| Loan Growth (YoY) | -5.90% | -3.46% | -4.39% | -10.37% | -6.09% | -14.47% | -11.28% | -17.44% | -707 bps | |
| Deposit Growth (YoY) | -13.29% | -4.72% | -3.10% | -17.21% | -6.52% | -12.03% | -8.37% | -6.08% | +1,113 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 | 1.68% | 1.21% | 0.90% | 0.45% | 0.32% | 0.43% | 0.00% | 0.01% | -44 bps | |
| Allowance / Loans | 1.80% | 2.98% | 2.88% | 3.03% | 3.32% | 3.33% | 3.34% | 3.57% | +54 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 | 16.41% | 15.32% | 15.10% | 15.45% | 16.36% | 17.51% | 17.90% | 19.59% | +414 bps | |
| Equity / Assets | 8.23% | 7.04% | 7.38% | 8.00% | 8.32% | 8.36% | 8.48% | 9.08% | +107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.05% | 55.22% | 55.39% | 60.69% | 57.31% | 53.69% | 53.63% | 53.35% | -734 bps | |
| Liquid Assets / Assets | 19.44% | 21.58% | 22.02% | 18.03% | 14.88% | 14.06% | 12.09% | 16.88% | -115 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |