Sabetha, KS · Cert 10924
FDIC
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
Sabetha, KS · Cert 10924
FDIC
Q3 2002
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 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.15% | 1.33% | 1.27% | 1.22% | 1.17% | 0.98% | 1.12% | 1.09% | -12 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 13.73% | 15.37% | 15.00% | n/a | |
| Net Interest Margin | n/a | 3.59% | 3.46% | 3.35% | 3.22% | 2.92% | 3.03% | 3.02% | -33 bps | |
| Efficiency Ratio | n/a | 44.95% | 46.55% | 47.75% | 48.71% | 50.17% | 49.58% | 51.39% | +363 bps | |
| Non-Interest Burden | n/a | 1.37% | 1.37% | 1.36% | 1.34% | 1.26% | 1.29% | 1.35% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.78% | 4.48% | 9.63% | 8.89% | 11.00% | 7.80% | -0.08% | 8.46% | -43 bps | |
| Loan Growth (YoY) | 2.15% | 7.22% | 13.48% | 15.19% | 7.00% | -2.41% | -4.55% | 0.84% | -1,435 bps | |
| Deposit Growth (YoY) | 4.96% | 9.10% | 5.11% | 6.23% | 7.20% | 6.24% | 9.96% | 1.49% | -475 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 | n/a | 0.02% | 0.01% | 0.01% | 0.02% | 0.00% | 0.04% | 0.03% | +2 bps | |
| Allowance / Loans | n/a | 1.81% | 1.77% | 1.83% | 1.95% | 2.01% | 1.99% | 1.95% | +12 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 | n/a | 12.11% | 11.80% | 12.02% | 11.98% | 12.01% | 12.09% | 11.54% | -48 bps | |
| Equity / Assets | n/a | 7.50% | 7.24% | 7.68% | 7.27% | 6.99% | 7.63% | 7.24% | -44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.34% | 95.89% | 108.07% | 100.45% | 90.17% | 88.08% | 93.81% | 99.81% | -64 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |