PackageTrendsPeer
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Admire Bank

Emporia, KS · Cert 10922

FDIC

Q3 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2001, the quarter ended September 30, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Admire Bank

Emporia, KS · Cert 10922

FDIC

Q3 2001

$25.8MAssets
$10.0MLoans
$23.5MDeposits
$2.2MEquity
Loan mix
35%RE $1.9M63%C&I $3.5M2%Consumer $0.1MQ4 1999Q3 2001
Deposit mix
92%Interest-bearing $21.7M8%Noninterest $1.8MQ4 1999Q3 2001

Executive Summary

  • Earnings: ROA of -1.02%, down 75 bps year over year; NIM at 0.60%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 42.51% of deposits as of Q3 2001.

Return on Assets (YTD, annualized)

-1.02%-75 bps YoY

Net Interest Margin (YTD, annualized)

0.60%

Efficiency Ratio (YTD, annualized)

126.32%

Tier 1 Leverage Ratio

n/a
n/a

NIM

8.19%Q1 ’017.67%Q2 ’011.92%Q3 ’01-11%-83%

Non-interest income vs. expense

4.01%Q1 ’014.56%Q2 ’010.97%Q3 ’01+15%-79%

Year to date, annualized, through each quarter.

MetricQ4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.33%1.43%-1.06%-0.27%-1.08%0.37%-0.28%-1.02%-75 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a3.96%3.54%0.60%n/a
Efficiency Ration/an/an/an/an/a87.70%109.07%126.32%n/a
Non-Interest Burdenn/an/an/an/an/a3.39%3.91%0.80%n/a
Growth
Asset Growth (YoY)4.95%7.90%5.14%0.18%3.88%2.04%0.22%24.88%+2,470 bps
Loan Growth (YoY)14.34%23.42%15.61%7.14%1.60%-13.65%-19.24%-26.64%-3,378 bps
Deposit Growth (YoY)0.48%-0.25%3.50%4.48%10.81%11.79%5.43%24.39%+1,991 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/a0.00%-0.04%0.03%n/a
Allowance / Loansn/an/an/an/an/a4.34%4.57%5.16%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/a12.17%12.95%15.18%n/a
Equity / Assetsn/an/an/an/an/a7.25%7.25%8.37%n/a
Liquidity & Funding
Loans / Deposits72.49%76.52%74.85%72.09%66.46%59.10%57.33%42.51%-2,958 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%4.23%3.87%7.05%+705 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a