Salina, KS · Cert 4768
FDIC
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 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.
Salina, KS · Cert 4768
FDIC
Q3 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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 1.15% | 1.10% | 1.19% | 1.11% | 1.30% | 1.18% | 1.10% | -8 bps | |
| Return on Equity | 11.52% | 14.69% | 13.00% | 13.25% | 12.59% | 13.61% | 11.44% | 10.23% | -303 bps | |
| Net Interest Margin | 2.49% | 2.33% | 2.25% | 2.55% | 2.42% | 2.17% | 2.12% | 2.35% | -19 bps | |
| Efficiency Ratio | 48.31% | 47.08% | 49.05% | 47.23% | 46.45% | 47.99% | 48.29% | 49.94% | +271 bps | |
| Non-Interest Burden | 0.88% | 0.78% | 0.79% | 0.81% | 0.75% | 0.68% | 0.68% | 0.80% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.83% | -1.21% | -1.50% | -0.79% | -1.54% | -2.23% | -4.86% | -6.15% | -536 bps | |
| Loan Growth (YoY) | 1.02% | 0.84% | -0.86% | -7.31% | -4.11% | -6.87% | -9.18% | -4.51% | +279 bps | |
| Deposit Growth (YoY) | -15.43% | -7.57% | -4.97% | -16.56% | 1.74% | -9.27% | -10.46% | -2.44% | +1,412 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 | 0.23% | -0.06% | 0.39% | 0.25% | 0.16% | -0.02% | 0.08% | 0.20% | -5 bps | |
| Allowance / Loans | 0.89% | 0.90% | 0.77% | 0.94% | 0.94% | 0.97% | 0.95% | 0.86% | -8 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 | 16.63% | 19.47% | 20.68% | 22.26% | 19.48% | 23.43% | 24.73% | 24.20% | +195 bps | |
| Equity / Assets | 6.77% | 9.19% | 9.83% | 10.70% | 8.31% | 11.27% | 12.12% | 12.44% | +174 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.26% | 55.04% | 55.45% | 57.98% | 52.09% | 56.50% | 56.25% | 56.74% | -123 bps | |
| Liquid Assets / Assets | 7.69% | 10.11% | 4.48% | 4.06% | 2.28% | 2.23% | 2.03% | 2.05% | -201 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |