Potwin, KS · Cert 17212
FDIC
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Potwin, KS · Cert 17212
FDIC
Q4 2001
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 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.65% | 1.66% | 1.58% | 1.56% | 1.21% | 0.97% | 0.73% | 0.82% | -73 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 3.84% | 3.51% | 3.17% | 3.55% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 69.54% | 73.31% | 77.81% | 76.56% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | 2.60% | 2.51% | 2.41% | 2.65% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.24% | -6.67% | 1.52% | 2.18% | 4.92% | 17.53% | 8.85% | -6.81% | -899 bps | |
| Loan Growth (YoY) | -5.18% | -0.09% | 2.67% | 9.42% | 12.33% | 13.82% | 15.46% | -1.19% | -1,061 bps | |
| Deposit Growth (YoY) | -7.99% | -7.08% | 1.81% | 1.15% | 10.35% | 17.09% | 7.85% | -5.91% | -706 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 | n/a | n/a | 0.00% | 0.00% | 0.00% | 0.00% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | 1.07% | 1.13% | 1.10% | 1.14% | n/a | |
| 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 | n/a | n/a | 14.13% | 15.68% | 15.26% | 16.36% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | 8.37% | 8.30% | 8.64% | 10.08% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.09% | 81.52% | 78.36% | 88.27% | 86.63% | 79.24% | 83.89% | 92.70% | +443 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 2.02% | 1.98% | 2.05% | 2.35% | +235 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |