Liberal, KS · Cert 1145
FDIC
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.06%1 | 0.70% | 0.56% | 0.49% | 0.60% | 0.83% | 0.63% | 0.00% | -49 bps | |
| Return on Equity | 0.62% | 6.72% | 5.43% | 4.68% | 5.87% | 8.30% | 6.11% | 0.00% | -468 bps | |
| Net Interest Margin | 3.67% | 3.75% | 3.67% | 3.78% | 3.61% | 3.79% | 3.82% | 3.73% | -5 bps | |
| Efficiency Ratio | 99.83% | 86.62% | 82.63% | 81.67% | 78.09% | 77.86% | 78.52% | 77.28% | -439 bps | |
| Non-Interest Burden | 3.67% | 3.10% | 2.88% | 2.97% | 2.69% | 2.83% | 2.90% | 2.68% | -28 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 | 0.63% | 11.73% | -0.61% | -0.83% | -0.03% | -0.18% | -0.15% | -0.12% | +71 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 |