Udall, KS · Cert 15524
FDIC
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | -0.83% | 0.83% | 1.54% | 0.99% | -1.30% | 0.47% | 1.05% | -49 bps | |
| Return on Equity | 6.28% | -5.67% | 6.21% | 11.76% | 7.41% | -9.96% | 3.99% | 9.03% | -273 bps | |
| Net Interest Margin | 3.82% | 3.76% | 3.51% | 3.35% | 3.37% | 3.14% | 3.00% | 2.99% | -36 bps | |
| Efficiency Ratio | 76.47% | 113.79% | 80.00% | 60.49% | 71.95% | 127.50% | 85.71% | 71.43% | +1,093 bps | |
| Non-Interest Burden | 2.79% | 4.39% | 2.72% | 1.79% | 2.25% | 4.18% | 2.49% | 1.87% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.90% | 13.20% | 18.75% | 9.14% | 11.79% | 9.07% | 12.25% | 5.94% | -320 bps | |
| Loan Growth (YoY) | -0.53% | -2.69% | -7.12% | -9.80% | -3.93% | -2.01% | -3.99% | 5.69% | +1,548 bps | |
| Deposit Growth (YoY) | 9.89% | 15.79% | 22.19% | 10.84% | 13.86% | 10.88% | 14.47% | 7.50% | -335 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.19% | +19 bps | |
| Allowance / Loans | 1.41% | 1.51% | 1.51% | 1.52% | 1.51% | 1.54% | 1.58% | 1.39% | -13 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 | 45.27% | 44.16% | 43.13% | 46.89% | 46.66% | 45.53% | 42.70% | 44.02% | -287 bps | |
| Equity / Assets | 14.92% | 14.20% | 12.69% | 13.52% | 13.32% | 12.72% | 10.97% | 12.28% | -123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 33.20% | 32.25% | 27.79% | 28.85% | 28.01% | 28.50% | 23.31% | 28.37% | -49 bps | |
| Liquid Assets / Assets | 34.24% | 34.22% | 30.11% | 31.16% | 30.02% | 32.46% | 27.74% | 29.23% | -193 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |