PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Community Bank

Chapman, KS · Cert 12431

FDIC

Q1 2002

$40.7MAssets
$9.8MLoans
$29.9MDeposits
$7.5MEquity
Deposit mix
89%Interest-bearing $26.7M11%Noninterest $3.2MQ1 2001Q1 2002

NIM

8.09%Q1 ’014.64%Q1 ’02-47%

Non-interest income vs. expense

3.60%Q1 ’012.70%Q1 ’02-30%

Executive Summary

  • Earnings: ROA of 0.06%, down 49 bps year over year; NIM at 2.25%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.86%.
  • Funding: loans stand at 32.70% of deposits as of Q1 2002.

Financial Results

Return on Assets (quarter, annualized)

0.06%-49 bps YoY

Net Interest Margin (quarter, annualized)

2.25%-202 bps YoY

Efficiency Ratio (quarter, annualized)

97.20%+2,170 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2001Q2 2001Q3 2001Q4 2001Q1 2002YoY ΔTrend
Earnings
Return on Assets0.55%0.27%0.46%0.24%0.06%-49 bps
Return on Equityn/a1.82%2.92%1.41%0.32%n/a
Net Interest Margin4.27%4.18%4.33%2.84%2.25%-202 bps
Efficiency Ratio75.51%84.20%79.66%83.54%97.20%+2,170 bps
Non-Interest Burden3.10%3.43%3.27%2.21%2.18%-93 bps
Growth
Asset Growth (YoY)-5.29%-8.92%-13.67%-25.49%-22.08%-1,679 bps
Loan Growth (YoY)4.16%-5.14%-9.89%-59.90%-64.14%-6,829 bps
Deposit Growth (YoY)-5.98%-11.99%-16.34%-30.21%-27.01%-2,104 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.97%0.21%0.41%0.11%-0.86%-283 bps
Allowance / Loans1.34%1.42%1.52%0.97%1.31%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital14.99%15.04%14.15%47.93%48.71%+3,372 bps
Equity / Assets14.72%15.29%16.07%18.72%18.47%+375 bps
Liquidity & Funding
Loans / Deposits66.56%68.31%66.63%36.50%32.70%-3,385 bps
Liquid Assets / Assets9.33%0.80%7.12%37.23%30.08%+2,075 bps
CRE / Total Capitaln/an/an/an/an/an/an/a