Kit Carson, CO · Cert 9216
FDIC
Q3 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.03% | 1.26% | 1.03% | 1.24% | 0.84% | 1.07% | 0.97% | 0.71% | -53 bps | |
| Return on Equity | 0.29% | 12.00% | 9.67% | 11.23% | 7.74% | 10.47% | 9.42% | 7.05% | -418 bps | |
| Net Interest Margin | 4.37% | 4.37% | 4.21% | 4.24% | 3.92% | 4.04% | 3.99% | 3.63% | -61 bps | |
| Efficiency Ratio | 94.73% | 62.93% | 65.11% | 64.95% | 73.16% | 66.18% | 77.44% | 77.21% | +1,226 bps | |
| Non-Interest Burden | 4.12% | 2.43% | 2.58% | 2.46% | 2.75% | 2.54% | 3.00% | 2.70% | +24 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 | 0.41% | 0.04% | 0.00% | -0.01% | 0.00% | 0.00% | 0.15% | -0.01% | 0 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 |