Pittsburg, KS · Charter 67827
Q1 2010
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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.65% | 0.61% | -1.37% | 0.44% | 0.49% | 0.03% | 0.23% | +160 bps | |
| Return on Equity | 5.45% | 5.70% | 5.35% | -15.30% | 4.81% | 5.41% | 0.39% | 2.42% | +1,772 bps | |
| Net Interest Margin | 2.86% | 2.88% | 2.84% | 2.38% | 2.30% | 2.20% | 2.12% | 2.15% | -24 bps | |
| Efficiency Ratio | 74.46% | 73.85% | 74.18% | 74.27% | 58.54% | 63.64% | 76.85% | 86.92% | +1,264 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.46% | 13.95% | 11.99% | 26.29% | 30.01% | 34.06% | 36.40% | 0.76% | -2,553 bps | |
| Loan Growth (YoY) | -16.00% | -14.30% | -13.51% | -12.18% | -10.47% | -6.61% | -4.68% | -1.17% | +1,101 bps | |
| Share Growth (YoY) | 9.78% | 9.16% | 9.13% | 7.63% | 11.11% | 15.58% | 23.70% | 26.76% | +1,914 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.77% | 4.10% | 3.84% | 3.57% | 3.59% | 4.11% | 4.17% | 3.25% | -32 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 | 1.03% | 1.13% | 1.06% | 1.10% | 1.06% | 0.97% | 0.94% | 0.92% | -18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.27% | 11.47% | 11.39% | 8.96% | 9.13% | 9.02% | 8.38% | 9.32% | +36 bps | |
| Net Worth / Assets | 11.27% | 11.47% | 11.39% | 8.96% | 9.13% | 9.02% | 8.38% | 9.32% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.53% | 42.66% | 40.76% | 37.17% | 35.08% | 34.47% | 31.41% | 28.98% | -819 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |