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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.52% | 0.55% | 0.62% | 0.63% | 0.32% | -20 bps | |
| Return on Equity | 5.04% | 5.34% | 6.08% | 6.11% | 3.10% | -194 bps | |
| Net Interest Margin | 3.72% | 3.50% | 3.55% | 3.82% | 3.81% | +9 bps | |
| Efficiency Ratio | 82.16% | 80.79% | 80.03% | 78.52% | 77.88% | -428 bps | |
| Non-Interest Burden | 2.92% | 2.70% | 2.72% | 2.90% | 2.82% | -10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.51% | 11.37% | 6.67% | 1.94% | -3.54% | -1,105 bps | |
| Loan Growth (YoY) | -13.35% | -5.40% | -3.15% | 1.00% | 0.45% | +1,380 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | -0.72% | -0.49% | -0.41% | -0.15% | -0.13% | +59 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 19.49% | 19.36% | 20.02% | 20.41% | 20.92% | +144 bps | |
| Equity / Assets | 10.53% | 9.88% | 10.03% | 10.54% | 10.50% | -3 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 47.10% | 44.29% | 44.58% | 46.65% | 48.68% | +159 bps | |
| Liquid Assets / Assets | 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 |