Perry, KS · Cert 13689
FDIC
Q2 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.15% | 1.18% | 1.29% | 1.09% | 1.24% | 1.66% | 0.95% | 0.61% | -49 bps | |
| Return on Equity | n/a | n/a | n/a | 12.86% | 14.38% | 18.98% | 10.98% | 6.96% | -590 bps | |
| Net Interest Margin | n/a | n/a | 4.08% | 3.82% | 3.74% | 3.91% | 3.21% | 3.06% | -76 bps | |
| Efficiency Ratio | n/a | n/a | 57.46% | 62.75% | 58.68% | 52.79% | 63.46% | 71.03% | +828 bps | |
| Non-Interest Burden | n/a | n/a | 2.14% | 2.21% | 1.95% | 1.82% | 1.88% | 2.07% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.33% | -1.03% | 5.06% | -15.02% | 8.37% | 9.09% | 4.42% | 1.92% | +1,694 bps | |
| Loan Growth (YoY) | 5.20% | 1.36% | -1.87% | -0.90% | 1.63% | 7.38% | -2.98% | -3.83% | -292 bps | |
| Deposit Growth (YoY) | 8.41% | -1.46% | -2.05% | -22.29% | 4.43% | 6.49% | 7.66% | 2.02% | +2,431 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 | 0.24% | -0.08% | -0.03% | 0.28% | -0.03% | 0.46% | +54 bps | |
| Allowance / Loans | n/a | n/a | 1.83% | 1.79% | 1.76% | 1.66% | 1.85% | 1.79% | 0 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 | 14.68% | 15.45% | 17.24% | 17.90% | 18.93% | 19.19% | +375 bps | |
| Equity / Assets | n/a | n/a | 8.35% | 8.68% | 8.60% | 8.89% | 8.35% | 9.14% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.43% | 65.88% | 62.45% | 64.86% | 63.67% | 66.43% | 56.27% | 61.15% | -372 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 1.38% | 1.57% | 1.66% | 1.42% | 1.47% | 1.21% | -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 |