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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.09%1 | -1.61% | -1.65% | -1.15% | -1.13% | -122 bps | |
| Return on Equity | 0.88% | -16.10% | -16.32% | -11.28% | -11.02% | -1,189 bps | |
| Net Interest Margin | 3.20% | 2.25% | 2.43% | 2.57% | 2.58% | -62 bps | |
| Efficiency Ratio | 99.87% | 105.69% | 116.99% | 111.87% | 119.19% | +1,932 bps | |
| Non-Interest Burden | 3.19% | 2.45% | 3.05% | 3.04% | 3.21% | +2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.22% | 9.80% | -1.97% | -7.86% | -8.23% | -800 bps | |
| Loan Growth (YoY) | -28.19% | -19.19% | -17.84% | -21.88% | -33.15% | -496 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 1.13% | 4.04% | 3.14% | 2.24% | 2.05% | +93 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 20.41% | 20.03% | 20.08% | 21.19% | 23.32% | +290 bps | |
| Equity / Assets | 10.46% | 9.51% | 10.34% | 10.74% | 10.35% | -10 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 58.04% | 49.86% | 55.09% | 53.10% | 42.56% | -1,548 bps | |
| Liquid Assets / Assets | 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 |