Leawood, KS · Cert 57303
FDIC
Q3 2011
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 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -5.29% | -3.34% | 0.00% | 0.33% | 0.68% | 10.66% | 5.94% | 4.83% | +450 bps | |
| Return on Equity | -50.53% | -39.35% | 0.00% | 3.89% | 7.91% | 102.49% | 54.02% | 42.65% | +3,876 bps | |
| Net Interest Margin | 1.58% | 2.07% | 0.00% | 1.07% | 2.02% | 3.35% | 3.33% | 3.57% | +249 bps | |
| Efficiency Ratio | 333% | 165.97% | n/a | 66.98% | 58.89% | 43.05% | 39.08% | 38.56% | -2,842 bps | |
| Non-Interest Burden | 4.65% | 3.47% | 0.00% | 0.71% | 1.17% | 0.77% | 0.93% | 1.13% | +42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -19.32% | -21.13% | -21.57% | -15.99% | -1.41% | 3.93% | 12.78% | 20.46% | +3,645 bps | |
| Loan Growth (YoY) | -27.11% | -27.05% | -36.28% | -34.93% | -28.31% | -26.98% | -19.45% | -21.09% | +1,384 bps | |
| Deposit Growth (YoY) | -11.76% | -14.32% | -20.54% | -15.26% | -2.86% | -0.37% | 9.60% | 19.99% | +3,525 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 | 5.25% | 3.86% | 0.00% | -0.01% | 0.03% | 1.32% | 0.95% | 0.65% | +66 bps | |
| Allowance / Loans | 3.25% | 3.23% | 0.00% | 0.04% | 0.23% | 0.47% | 0.59% | 0.78% | +74 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 | 12.62% | 12.47% | 12.00% | 12.26% | 13.87% | 15.20% | 17.13% | 18.22% | +597 bps | |
| Equity / Assets | 8.79% | 8.19% | 7.82% | 9.16% | 9.24% | 11.50% | 12.14% | 12.24% | +308 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.91% | 86.93% | 77.44% | 74.78% | 69.30% | 63.71% | 56.91% | 49.18% | -2,560 bps | |
| Liquid Assets / Assets | 0.09% | 0.06% | 0.08% | 0.01% | 10.25% | 5.95% | 3.47% | 11.42% | +1,141 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |