Chappell, NE · Cert 14638
FDIC
Q3 2003
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 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 0.78% | 1.14% | 1.02% | -0.21% | 1.32% | -13.23% | -8.26% | -928 bps | |
| Return on Equity | n/a | 10.01% | 14.54% | 12.87% | -2.67% | 17.86% | -251% | -186.64% | -19,951 bps | |
| Net Interest Margin | 2.65% | 3.11% | 3.29% | 3.41% | 3.48% | 3.21% | 2.97% | 3.30% | -11 bps | |
| Efficiency Ratio | 72.64% | 73.80% | 66.67% | 60.91% | 94.68% | 55.45% | 63.76% | 72.11% | +1,121 bps | |
| Non-Interest Burden | 1.85% | 2.21% | 2.08% | 1.96% | 3.28% | 1.68% | 1.81% | 2.31% | +35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.41% | -0.73% | 1.97% | -0.97% | -5.29% | 2.61% | -6.61% | -15.94% | -1,497 bps | |
| Loan Growth (YoY) | 11.18% | 11.26% | 17.90% | 11.31% | 2.04% | 1.04% | -2.85% | -17.58% | -2,889 bps | |
| Deposit Growth (YoY) | 29.81% | 0.99% | 3.64% | -1.17% | -5.11% | 3.50% | 0.87% | -10.15% | -898 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 | -0.01% | 0.00% | -0.01% | 0.42% | 0.24% | 0.78% | 0.88% | 7.57% | +715 bps | |
| Allowance / Loans | 0.75% | 0.76% | 0.72% | 0.80% | 1.99% | 1.89% | 10.82% | 7.13% | +633 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 | 10.31% | 10.61% | 10.57% | 10.76% | 10.05% | 10.71% | 1.74% | 3.20% | -757 bps | |
| Equity / Assets | 7.42% | 8.14% | 8.06% | 8.14% | 7.30% | 7.51% | 0.79% | 1.48% | -666 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.95% | 86.88% | 87.88% | 86.11% | 87.05% | 84.82% | 84.64% | 78.98% | -712 bps | |
| Liquid Assets / Assets | 0.77% | 0.76% | 0.67% | 0.61% | 0.14% | 0.08% | 0.16% | 0.76% | +15 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |