Coffeyville, KS · Charter 67734
Q4 2008
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 | 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% | -2.33% | -2.04% | -1.62% | -1.04% | -2.79% | -2.29% | -3.20% | -158 bps | |
| Return on Equity | -6.42% | -15.04% | -14.65% | -11.19% | -8.41% | -25.28% | -20.02% | -30.83% | -1,965 bps | |
| Net Interest Margin | 3.26% | 4.02% | 3.44% | 3.87% | 2.92% | 2.83% | 3.17% | 3.25% | -62 bps | |
| Efficiency Ratio | 116.83% | 157.17% | 158.43% | 135.54% | 133.27% | 138.43% | 131.01% | 164.39% | +2,885 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.02% | -18.98% | -9.29% | -16.93% | 8.45% | 20.17% | 5.73% | 5.52% | +2,245 bps | |
| Loan Growth (YoY) | -25.19% | -36.14% | -37.27% | -31.02% | -25.12% | -22.05% | 15.29% | 16.98% | +4,801 bps | |
| Share Growth (YoY) | -16.88% | -19.97% | -9.29% | -18.20% | 11.45% | 26.12% | 8.48% | 10.79% | +2,898 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.43% | 0.00% | 13.70% | 3.44% | 3.31% | 1.18% | 6.48% | 2.31% | -112 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 | 0.96% | 1.38% | 1.55% | 1.58% | 1.65% | 2.05% | 1.63% | 1.63% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.97% | 15.46% | 13.95% | 14.52% | 12.35% | 11.04% | 11.45% | 10.38% | -414 bps | |
| Net Worth / Assets | 14.97% | 15.46% | 13.95% | 14.52% | 12.35% | 11.04% | 11.45% | 10.38% | -414 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.77% | 82.62% | 68.66% | 71.22% | 57.62% | 51.07% | 72.97% | 75.20% | +398 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |