Smith Center, KS · Cert 9664
FDIC
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 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.
Smith Center, KS · Cert 9664
FDIC
Q1 2008
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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.31% | 1.18% | 1.27% | 1.17% | 1.19% | 1.21% | 1.15% | 1.13% | -5 bps | |
| Return on Equity | 11.09% | 9.79% | 10.67% | 10.22% | 10.23% | 10.27% | 9.76% | 9.71% | -51 bps | |
| Net Interest Margin | 3.56% | 3.57% | 3.55% | 3.40% | 3.54% | 3.48% | 3.57% | 3.50% | +10 bps | |
| Efficiency Ratio | 76.72% | 78.91% | 78.24% | 78.52% | 77.94% | 77.52% | 78.81% | 82.13% | +361 bps | |
| Non-Interest Burden | 2.11% | 2.27% | 2.16% | 2.06% | 2.14% | 2.09% | 2.22% | 2.34% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.77% | -4.68% | 4.11% | 1.55% | -0.98% | 2.63% | -4.22% | 6.74% | +519 bps | |
| Loan Growth (YoY) | 6.51% | 4.06% | -4.09% | -6.74% | -6.24% | -7.87% | -5.66% | -4.22% | +253 bps | |
| Deposit Growth (YoY) | -0.62% | -5.32% | 4.63% | 1.78% | -0.98% | 2.95% | -4.79% | 6.95% | +517 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 | -0.02% | -0.01% | 0.05% | 0.21% | 0.15% | 1.58% | 1.14% | 0.00% | -21 bps | |
| Allowance / Loans | 2.07% | 2.20% | 2.13% | 2.23% | 2.26% | 1.41% | 1.45% | 1.53% | -71 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 | 23.12% | 24.20% | 23.50% | 23.26% | 24.05% | 25.27% | 24.77% | 24.39% | +114 bps | |
| Equity / Assets | 11.85% | 12.60% | 11.37% | 11.61% | 11.81% | 12.32% | 11.88% | 11.39% | -23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 51.67% | 52.48% | 46.41% | 46.61% | 48.93% | 46.96% | 45.98% | 41.74% | -487 bps | |
| Liquid Assets / Assets | 39.84% | 42.10% | 37.97% | 38.33% | 38.41% | 41.25% | 34.52% | 34.20% | -413 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |