Palco, KS · Cert 4753
FDIC
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 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.
Palco, KS · Cert 4753
FDIC
Q4 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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.67% | -0.59% | -0.03% | 0.09%1 | -1.61% | -1.65% | -1.15% | -1.13% | -122 bps | |
| Return on Equity | -6.34% | -5.51% | -0.26% | 0.88% | -16.10% | -16.32% | -11.28% | -11.02% | -1,189 bps | |
| Net Interest Margin | 3.42% | 3.42% | 3.38% | 3.20% | 2.25% | 2.43% | 2.57% | 2.58% | -62 bps | |
| Efficiency Ratio | 111.13% | 106.37% | 99.49% | 99.87% | 105.69% | 116.99% | 111.87% | 119.19% | +1,932 bps | |
| Non-Interest Burden | 4.22% | 3.81% | 3.35% | 3.19% | 2.45% | 3.05% | 3.04% | 3.21% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.84% | -4.83% | -5.25% | -0.22% | 9.80% | -1.97% | -7.86% | -8.23% | -800 bps | |
| Loan Growth (YoY) | -19.85% | -29.35% | -35.35% | -28.19% | -19.19% | -17.84% | -21.88% | -33.15% | -496 bps | |
| Deposit Growth (YoY) | -10.67% | -6.58% | -9.60% | 1.51% | 13.82% | 0.35% | -6.33% | -8.84% | -1,035 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 | 0.08% | 1.61% | 1.44% | 1.13% | 4.04% | 3.14% | 2.24% | 2.05% | +93 bps | |
| Allowance / Loans | 2.76% | 2.52% | 2.37% | 2.89% | 3.06% | 3.01% | 3.32% | 4.05% | +116 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 | 17.51% | 17.57% | 18.31% | 20.41% | 20.03% | 20.08% | 21.19% | 23.32% | +290 bps | |
| Equity / Assets | 10.66% | 10.92% | 10.94% | 10.46% | 9.51% | 10.34% | 10.74% | 10.35% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.23% | 67.28% | 63.68% | 58.04% | 49.86% | 55.09% | 53.10% | 42.56% | -1,548 bps | |
| Liquid Assets / Assets | 11.70% | 11.21% | 16.70% | 28.45% | 25.52% | 21.21% | 19.19% | 21.81% | -665 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |