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Letter portraitLegal landscapeQuarterYTD

Bank of Perry, The

Perry, KS · Cert 13689

FDIC

Q2 2002

$33.0MAssets
$14.9MLoans
$24.3MDeposits
$3.0MEquity
Loan mix
95%RE $6.7M5%C&I $0.3M0%Consumer $0.0MQ2 2001Q2 2002
Deposit mix
86%Interest-bearing $20.9M14%Noninterest $3.4MQ2 2001Q2 2002

NIM

7.45%Q1 ’017.27%Q2 ’015.64%Q2 ’02-4%-20%

Non-interest income vs. expense

2.62%Q1 ’012.64%Q2 ’012.37%Q2 ’02+1%-8%

Executive Summary

  • Earnings: ROA of 0.78%, down 42 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.22%.
  • Funding: loans stand at 61.15% of deposits as of Q2 2002.

Financial Results

Return on Assets (YTD, annualized)

0.78%-42 bps YoY

Net Interest Margin (YTD, annualized)

3.15%-77 bps YoY

Efficiency Ratio (YTD, annualized)

67.11%+705 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets1.20%1.21%1.33%0.95%0.78%-42 bps
Return on Equityn/an/an/a10.98%8.89%n/a
Net Interest Margin3.91%3.76%3.76%3.21%3.15%-77 bps
Efficiency Ratio60.06%59.59%57.82%63.46%67.11%+705 bps
Non-Interest Burden2.16%2.04%1.96%1.88%1.99%-17 bps
Growth
Asset Growth (YoY)-15.02%8.37%9.09%4.42%1.92%+1,694 bps
Loan Growth (YoY)-0.90%1.63%7.38%-2.98%-3.83%-292 bps
Deposit Growth (YoY)-22.29%4.43%6.49%7.66%2.02%+2,431 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.08%0.04%0.10%-0.03%0.22%+14 bps
Allowance / Loans1.79%1.76%1.66%1.85%1.79%0 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 Capital15.45%17.24%17.90%18.93%19.19%+375 bps
Equity / Assets8.68%8.60%8.89%8.35%9.14%+46 bps
Liquidity & Funding
Loans / Deposits64.86%63.67%66.43%56.27%61.15%-372 bps
Liquid Assets / Assets1.57%1.66%1.42%1.47%1.21%-35 bps
CRE / Total Capitaln/an/an/an/an/an/an/a