Hutchinson, KS · Charter 67977
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 2008, 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 67977
Q2 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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.39% | 0.51% | -1.09% | 0.04% | -2.78% | -8.33% | -7.39% | -630 bps | |
| Return on Equity | 8.00% | 3.62% | 4.52% | -9.35% | 0.43% | -39.12% | -214% | -276% | -26,661 bps | |
| Net Interest Margin | 4.89% | 4.86% | 3.61% | 2.22% | 3.91% | 3.70% | 2.54% | 3.09% | +87 bps | |
| Efficiency Ratio | 71.76% | 73.00% | 89.10% | 93.80% | 99.05% | 101.16% | 124.18% | 130.80% | +3,700 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 29.38% | 7.63% | 2.88% | -9.87% | -3.41% | -0.49% | 8.11% | 10.40% | +2,028 bps | |
| Loan Growth (YoY) | 32.49% | 13.32% | -0.43% | -13.97% | -19.37% | -21.82% | -23.69% | -29.71% | -1,575 bps | |
| Share Growth (YoY) | 44.28% | -12.45% | -7.88% | -12.96% | 1.16% | 25.95% | 30.54% | 25.12% | +3,808 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.07% | 3.61% | 3.35% | 6.86% | 11.09% | 8.81% | 7.11% | 8.40% | +154 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 | 0.93% | 0.77% | 0.65% | 1.03% | 0.49% | 4.09% | 4.42% | 5.45% | +441 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.31% | 10.79% | 11.18% | 11.61% | 10.40% | 7.12% | 3.90% | 2.68% | -893 bps | |
| Net Worth / Assets | 11.31% | 10.79% | 11.18% | 11.61% | 10.40% | 7.12% | 3.90% | 2.68% | -893 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 113.68% | 123.93% | 108.20% | 102.39% | 90.60% | 76.93% | 63.25% | 57.51% | -4,487 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |