Mount Hope, KS · Cert 4734
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.26% | 0.38% | 0.37% | -0.07% | 0.11% | -15 bps | |
| Return on Equity | 2.85% | 3.99% | 3.85% | -0.69% | 1.13% | -172 bps | |
| Net Interest Margin | 3.38% | 3.38% | 3.28% | 2.92% | 2.88% | -50 bps | |
| Efficiency Ratio | 90.20% | 87.63% | 88.26% | 97.87% | 93.04% | +284 bps | |
| Non-Interest Burden | 2.97% | 2.85% | 2.79% | 2.84% | 2.63% | -34 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.77% | -7.89% | -8.61% | -1.92% | 9.80% | +1,857 bps | |
| Loan Growth (YoY) | -10.93% | -11.35% | -11.69% | -8.49% | -10.66% | +27 bps | |
| Deposit Growth (YoY) | -10.95% | -10.50% | -10.99% | -2.64% | 10.67% | +2,162 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.10% | -0.07% | -0.06% | 0.09% | 0.03% | +13 bps | |
| Allowance / Loans | 2.55% | 2.60% | 2.61% | 2.71% | 2.85% | +30 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 15.26% | 15.62% | 15.09% | 15.30% | 15.74% | +47 bps | |
| Equity / Assets | 10.11% | 10.29% | 10.41% | 9.95% | 9.54% | -57 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.44% | 60.34% | 60.47% | 54.85% | 49.60% | -1,184 bps | |
| Liquid Assets / Assets | 9.23% | 9.22% | 8.11% | 12.84% | 15.67% | +644 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |