Ellsworth, KS · Charter 5637
Q3 2013
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.73% | -0.53% | -0.33% | -0.24% | -0.30% | -0.88% | -2.96% | -2.22% | -198 bps | |
| Return on Equity | -44.42% | -8.91% | -5.33% | -3.99% | -5.17% | -15.83% | -65.27% | -51.77% | -4,778 bps | |
| Net Interest Margin | 3.76% | 3.54% | 3.53% | 3.26% | 3.17% | 2.59% | 2.67% | 2.73% | -52 bps | |
| Efficiency Ratio | 122.26% | 111.33% | 107.05% | 105.44% | 107.05% | 120.56% | 116.23% | 117.16% | +1,171 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -22.41% | -22.36% | -19.33% | -11.04% | -0.58% | 0.57% | 0.76% | -1.85% | +918 bps | |
| Loan Growth (YoY) | -13.77% | -15.71% | -19.58% | -19.83% | -26.69% | -13.49% | -11.07% | -11.29% | +853 bps | |
| Share Growth (YoY) | -21.46% | -22.95% | -19.96% | -11.55% | -0.30% | 0.99% | 2.58% | -0.24% | +1,130 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.33% | 5.12% | 5.42% | 5.37% | 4.92% | 4.19% | 1.18% | 1.43% | -394 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.46% | 1.15% | 1.17% | 1.17% | 0.96% | 0.66% | 0.39% | 1.01% | -16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.14% | 5.99% | 6.21% | 5.95% | 5.88% | 5.57% | 4.54% | 4.29% | -167 bps | |
| Net Worth / Assets | 6.14% | 5.99% | 6.21% | 5.95% | 5.88% | 5.57% | 4.54% | 4.29% | -167 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.02% | 54.11% | 52.72% | 46.61% | 44.14% | 46.35% | 45.70% | 41.45% | -516 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |