Mount Hope, KS · Cert 4734
FDIC
Q2 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.49% | 1.13% | 0.09% | 0.44% | 0.62% | 0.35% | -0.07% | 0.29% | -15 bps | |
| Return on Equity | -18.66% | 14.11% | 1.04% | 4.50% | 6.12% | 3.39% | -0.69% | 2.93% | -157 bps | |
| Net Interest Margin | 3.34% | 3.07% | 3.15% | 3.38% | 3.37% | 3.14% | 2.92% | 2.85% | -54 bps | |
| Efficiency Ratio | 89.75% | 94.91% | 94.14% | 86.36% | 82.73% | 90.17% | 97.87% | 88.48% | +212 bps | |
| Non-Interest Burden | 2.92% | 2.85% | 2.92% | 2.80% | 2.61% | 2.73% | 2.84% | 2.41% | -39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.99% | 10.85% | 0.36% | -8.77% | -7.89% | -8.61% | -1.92% | 9.80% | +1,857 bps | |
| Loan Growth (YoY) | -5.96% | -8.82% | -13.99% | -10.93% | -11.35% | -11.69% | -8.49% | -10.66% | +27 bps | |
| Deposit Growth (YoY) | 9.68% | 12.06% | -0.68% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.32% | -0.01% | -0.18% | -0.01% | -0.02% | -0.01% | 0.09% | -0.03% | -1 bps | |
| Allowance / Loans | 2.25% | 2.26% | 2.49% | 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 | 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 | 12.72% | 13.19% | 14.97% | 15.26% | 15.62% | 15.09% | 15.30% | 15.74% | +47 bps | |
| Equity / Assets | 7.89% | 8.10% | 9.27% | 10.11% | 10.29% | 10.41% | 9.95% | 9.54% | -57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.92% | 60.95% | 58.36% | 61.44% | 60.34% | 60.47% | 54.85% | 49.60% | -1,184 bps | |
| Liquid Assets / Assets | 2.42% | 8.14% | 9.60% | 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 | n/a | n/a | n/a |