Chapman, KS · Cert 12431
FDIC
Q1 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2002, the quarter ended March 31, 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.
Chapman, KS · Cert 12431
FDIC
Q1 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 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.13% | 0.22% | 0.55% | 0.42% | 0.43% | 0.39% | 0.06% | -49 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.32% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 4.27% | 4.38% | 4.42% | 4.45% | 2.25% | -202 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 75.51% | 79.69% | 79.68% | 80.38% | 97.20% | +2,170 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 3.10% | 3.38% | 3.39% | 3.42% | 2.18% | -93 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.97% | 5.92% | -3.23% | -5.29% | -8.92% | -13.67% | -25.49% | -22.08% | -1,679 bps | |
| Loan Growth (YoY) | -6.79% | -0.03% | 3.47% | 4.16% | -5.14% | -9.89% | -59.90% | -64.14% | -6,829 bps | |
| Deposit Growth (YoY) | 0.24% | -2.63% | -5.21% | -5.98% | -11.99% | -16.34% | -30.21% | -27.01% | -2,104 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 | n/a | n/a | 1.97% | 1.14% | 0.96% | 1.62% | -0.86% | -283 bps | |
| Allowance / Loans | n/a | n/a | n/a | 1.34% | 1.42% | 1.52% | 0.97% | 1.31% | -3 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 | n/a | n/a | 14.99% | 15.04% | 14.15% | 47.93% | 48.71% | +3,372 bps | |
| Equity / Assets | n/a | n/a | n/a | 14.72% | 15.29% | 16.07% | 18.72% | 18.47% | +375 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.38% | 61.86% | 63.53% | 66.56% | 68.31% | 66.63% | 36.50% | 32.70% | -3,385 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 9.33% | 0.80% | 7.12% | 37.23% | 30.08% | +2,075 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |