Liberal, KS · Cert 1145
FDIC
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, 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.
Liberal, KS · Cert 1145
FDIC
Q2 2004
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.41% | 0.56% | 0.52% | 0.55% | 0.62% | 0.63% | 0.32% | -20 bps | |
| Return on Equity | 3.00% | 3.97% | 5.43% | 5.04% | 5.34% | 6.08% | 6.11% | 3.10% | -194 bps | |
| Net Interest Margin | 4.18% | 3.99% | 3.67% | 3.72% | 3.50% | 3.55% | 3.82% | 3.81% | +9 bps | |
| Efficiency Ratio | 86.99% | 86.90% | 82.63% | 82.16% | 80.79% | 80.03% | 78.52% | 77.88% | -428 bps | |
| Non-Interest Burden | 3.56% | 3.37% | 2.88% | 2.92% | 2.70% | 2.72% | 2.90% | 2.82% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.35% | 5.54% | 9.43% | 7.51% | 11.37% | 6.67% | 1.94% | -3.54% | -1,105 bps | |
| Loan Growth (YoY) | -20.57% | -18.07% | -16.45% | -13.35% | -5.40% | -3.15% | 1.00% | 0.45% | +1,380 bps | |
| Deposit Growth (YoY) | 1.73% | 5.19% | 9.41% | 7.41% | 12.64% | 7.46% | 1.61% | -2.83% | -1,023 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 | 0.42% | 3.25% | -0.61% | -0.72% | -0.49% | -0.41% | -0.15% | -0.13% | +59 bps | |
| Allowance / Loans | 5.95% | 3.22% | 3.46% | 3.68% | 3.70% | 3.74% | 3.72% | 4.61% | +93 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 | 18.13% | 18.65% | 19.07% | 19.49% | 19.36% | 20.02% | 20.41% | 20.92% | +144 bps | |
| Equity / Assets | 10.52% | 10.39% | 10.22% | 10.53% | 9.88% | 10.03% | 10.54% | 10.50% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.73% | 49.47% | 46.93% | 47.10% | 44.29% | 44.58% | 46.65% | 48.68% | +159 bps | |
| Liquid Assets / Assets | 5.84% | 5.32% | 6.49% | 6.50% | 5.94% | 5.90% | 6.25% | 6.16% | -35 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |