Arkansas City, KS · Charter 60462
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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.
Arkansas City, KS · Charter 60462
Q3 2009
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.74% | -0.60% | -1.69% | -3.05% | -3.92% | -5.78% | -2.56% | -3.78% | -74 bps | |
| Return on Equity | -5.83% | -4.91% | -14.78% | -29.87% | -40.58% | -80.31% | -36.41% | -63.66% | -3,379 bps | |
| Net Interest Margin | 3.88% | 3.44% | 3.38% | 3.70% | 4.27% | 4.12% | 4.12% | 4.52% | +83 bps | |
| Efficiency Ratio | 97.66% | 108.79% | 109.33% | 111.40% | 123.89% | 124.76% | 103.06% | 110.20% | -120 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.61% | -3.04% | 5.57% | 3.41% | -6.35% | 1.60% | 5.01% | 1.15% | -226 bps | |
| Loan Growth (YoY) | -11.84% | -9.99% | -11.42% | 0.05% | 4.01% | 5.94% | 2.75% | 1.25% | +120 bps | |
| Share Growth (YoY) | -3.39% | -2.99% | 7.88% | 7.04% | -3.24% | 7.19% | 10.04% | 5.71% | -133 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.03% | 1.95% | 3.78% | 0.82% | 1.18% | 0.73% | 2.28% | 2.38% | +156 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 | 0.84% | 0.93% | 1.19% | 1.32% | 1.61% | 1.55% | 1.77% | 2.13% | +81 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.73% | 12.20% | 11.44% | 10.21% | 9.67% | 7.20% | 7.04% | 5.95% | -426 bps | |
| Net Worth / Assets | 12.73% | 12.20% | 11.44% | 10.21% | 9.67% | 7.20% | 7.04% | 5.95% | -426 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.38% | 75.23% | 74.04% | 79.26% | 88.54% | 74.36% | 69.13% | 75.91% | -334 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |