Sabetha, KS · Cert 10924
FDIC
Q3 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 1.22% | 1.09% | 1.04% | 0.98% | 1.25% | 1.06% | -3 bps | |
| Return on Equity | n/a | n/a | 16.51% | 14.59% | 13.92% | 13.73% | 17.16% | 14.21% | -37 bps | |
| Net Interest Margin | n/a | 3.59% | 3.41% | 3.24% | 3.09% | 2.92% | 3.10% | 3.15% | -9 bps | |
| Efficiency Ratio | n/a | 44.95% | 48.17% | 50.25% | 51.66% | 50.17% | 49.00% | 54.79% | +455 bps | |
| Non-Interest Burden | n/a | 1.37% | 1.40% | 1.39% | 1.36% | 1.26% | 1.29% | 1.53% | +14 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% | 0.00% | 0.02% | 0.03% | 0.00% | 0.08% | 0.01% | -1 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 |