Wichita, KS · Charter 68318
Q4 2011
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 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.61% | 1.26% | 1.14% | 0.86% | 0.54% | 0.47% | -1.98% | -2.72% | -358 bps | |
| Return on Equity | 11.91% | 9.38% | 8.50% | 6.42% | 4.29% | 3.64% | -17.24% | -26.15% | -3,257 bps | |
| Net Interest Margin | 3.18% | 2.88% | 3.39% | 3.30% | 3.21% | 3.28% | 3.40% | 3.38% | +8 bps | |
| Efficiency Ratio | 58.69% | 63.57% | 66.37% | 71.73% | 79.47% | 80.32% | 87.83% | 106.74% | +3,501 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.26% | 15.91% | 10.24% | 11.67% | 11.55% | 8.89% | 3.50% | -1.39% | -1,306 bps | |
| Loan Growth (YoY) | -0.95% | -2.08% | -3.73% | -2.98% | 2.11% | 0.85% | -0.61% | -6.35% | -336 bps | |
| Share Growth (YoY) | 20.77% | 17.22% | 10.05% | 12.06% | 12.61% | 9.32% | 5.44% | 1.94% | -1,012 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.92% | 1.25% | 0.89% | 0.47% | 0.85% | 1.77% | 4.55% | +366 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 | 0.51% | 0.48% | 0.54% | 0.40% | 0.48% | 0.63% | 3.77% | 5.06% | +466 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.55% | 13.39% | 13.42% | 13.39% | 12.62% | 12.82% | 11.50% | 10.40% | -300 bps | |
| Net Worth / Assets | 13.55% | 13.39% | 13.42% | 13.39% | 12.62% | 12.82% | 11.50% | 10.40% | -300 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.18% | 64.02% | 61.16% | 59.10% | 60.01% | 59.06% | 57.65% | 54.30% | -480 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |