Hutchinson, KS · Charter 67830
Q2 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2013, the quarter ended June 30, 2013, 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.
Hutchinson, KS · Charter 67830
Q2 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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.51% | 0.12% | 0.18% | 0.41% | -0.31% | 0.00% | -7.63% | -781 bps | |
| Return on Equity | 7.87% | 6.36% | 1.52% | 2.21% | 5.00% | -4.01% | 0.00% | -118.60% | -12,081 bps | |
| Net Interest Margin | 3.12% | 3.13% | 2.82% | 2.80% | 2.88% | 2.99% | 3.32% | 4.26% | +147 bps | |
| Efficiency Ratio | 78.00% | 81.16% | 94.49% | 92.32% | 84.59% | 78.13% | 79.49% | 85.77% | -655 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.29% | 1.95% | -6.11% | -4.16% | -4.01% | -0.16% | -1.25% | -24.19% | -2,003 bps | |
| Loan Growth (YoY) | 17.83% | 13.29% | 15.67% | 18.26% | 2.03% | -1.98% | -1.37% | -10.73% | -2,899 bps | |
| Share Growth (YoY) | 11.36% | 1.38% | -7.00% | -4.77% | -4.89% | 0.31% | -0.85% | -22.64% | -1,787 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.40% | 0.97% | 12.88% | 9.30% | 13.67% | 19.54% | 12.51% | 2.39% | -691 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 | 0.95% | 0.93% | 0.99% | 0.98% | 0.98% | 2.23% | 2.62% | 4.35% | +337 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.60% | 8.03% | 7.89% | 8.17% | 8.27% | 7.73% | 7.65% | 6.43% | -174 bps | |
| Net Worth / Assets | 7.60% | 8.03% | 7.89% | 8.17% | 8.27% | 7.73% | 7.65% | 6.43% | -174 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.37% | 65.08% | 60.99% | 64.71% | 63.69% | 63.59% | 60.67% | 74.67% | +996 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |