Kit Carson, CO · Cert 9216
FDIC
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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.
Kit Carson, CO · Cert 9216
FDIC
Q3 2012
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 1.26% | 1.16% | 1.18% | 1.09% | 1.07% | 1.03% | 0.91% | -27 bps | |
| Return on Equity | 8.75% | 12.00% | 10.81% | 10.95% | 10.16% | 10.47% | 9.93% | 8.95% | -200 bps | |
| Net Interest Margin | 4.43% | 4.37% | 4.26% | 4.21% | 4.09% | 4.04% | 4.00% | 3.74% | -46 bps | |
| Efficiency Ratio | 70.39% | 62.93% | 63.96% | 64.31% | 66.34% | 66.18% | 71.79% | 73.57% | +926 bps | |
| Non-Interest Burden | 2.99% | 2.43% | 2.49% | 2.45% | 2.51% | 2.54% | 2.76% | 2.65% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.37% | 14.26% | 8.28% | 9.61% | 10.67% | 10.47% | 11.19% | 19.94% | +1,033 bps | |
| Loan Growth (YoY) | 17.28% | 5.66% | -7.68% | -1.41% | -5.83% | -9.86% | 1.18% | -3.54% | -212 bps | |
| Deposit Growth (YoY) | 9.38% | 15.25% | 12.43% | 10.30% | 10.97% | 11.06% | 12.01% | 22.27% | +1,197 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.04% | 0.02% | 0.01% | 0.01% | 0.00% | 0.07% | 0.05% | +4 bps | |
| Allowance / Loans | 1.21% | 1.32% | 1.40% | 1.43% | 1.46% | 1.58% | 1.37% | 1.45% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 16.82% | 18.07% | 18.17% | 18.45% | 18.12% | 18.14% | 18.48% | 20.10% | +165 bps | |
| Equity / Assets | 10.65% | 10.44% | 10.96% | 11.20% | 10.42% | 10.10% | 10.51% | 9.78% | -142 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.67% | 64.69% | 66.40% | 65.38% | 59.97% | 52.51% | 59.98% | 51.58% | -1,380 bps | |
| Liquid Assets / Assets | 14.62% | 17.57% | 9.54% | 8.06% | 8.34% | 5.57% | 7.53% | 27.06% | +1,901 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |