Paola, KS · Cert 4754
FDIC
Q4 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2008, the quarter ended December 31, 2008, 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.
Paola, KS · Cert 4754
FDIC
Q4 2008
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 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 1.05% | 0.97% | 0.90% | 0.11%1 | -1.72% | -2.91% | -4.91% | -581 bps | |
| Return on Equity | 10.79% | 11.81% | 10.84% | 10.16% | 1.27% | -20.16% | -35.42% | -65.54% | -7,570 bps | |
| Net Interest Margin | 3.49% | 3.58% | 3.54% | 3.48% | 3.30% | 3.27% | 3.34% | 3.06% | -42 bps | |
| Efficiency Ratio | 65.39% | 64.32% | 67.15% | 69.59% | 69.00% | 69.61% | 73.54% | 86.44% | +1,685 bps | |
| Non-Interest Burden | 2.01% | 1.99% | 2.10% | 2.17% | 2.04% | 3.40% | 3.19% | 3.28% | +111 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.27% | 5.65% | 6.68% | 8.32% | 10.46% | 7.35% | 0.39% | -2.91% | -1,123 bps | |
| Loan Growth (YoY) | 11.20% | 10.13% | 10.63% | 15.17% | 15.49% | 14.88% | 8.11% | -3.55% | -1,872 bps | |
| Deposit Growth (YoY) | 12.29% | 4.96% | 7.65% | 10.33% | 13.20% | 8.57% | 0.22% | -1.89% | -1,222 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 | 0.10% | 0.08% | 0.07% | 0.08% | 0.24% | 0.26% | 0.44% | 1.90% | +181 bps | |
| Allowance / Loans | 1.16% | 1.14% | 1.13% | 1.05% | 1.41% | 2.10% | 3.00% | 4.80% | +375 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 | 11.23% | 11.41% | 11.15% | 10.56% | 10.59% | 10.67% | 9.58% | 6.35% | -421 bps | |
| Equity / Assets | 8.98% | 8.99% | 8.98% | 8.75% | 8.82% | 7.98% | 7.23% | 4.55% | -420 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.69% | 89.20% | 88.83% | 88.60% | 89.46% | 94.38% | 95.82% | 87.10% | -150 bps | |
| Liquid Assets / Assets | 1.08% | 0.00% | 0.26% | 1.24% | 3.25% | 0.01% | 0.01% | 2.87% | +163 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |