PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Emprise Bank

Potwin, KS · Cert 17212

FDIC

Q4 2001

$13.3MAssets
$11.0MLoans
$11.8MDeposits
$1.3MEquity
Deposit mix
89%Interest-bearing $10.5M11%Noninterest $1.4MQ4 2000Q4 2001

NIM

7.77%Q1 ’016.23%Q3 ’016.87%Q4 ’01-32%+53%

Non-interest income vs. expense

2.84%Q1 ’012.59%Q3 ’013.17%Q4 ’01-11%+24%

Executive Summary

  • Earnings: ROA of 1.10%, down 46 bps year over year; NIM at 4.01%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 92.70% of deposits as of Q4 2001.

Financial Results

Return on Assets (quarter, annualized)

1.10%-46 bps YoY

Net Interest Margin (quarter, annualized)

4.01%

Efficiency Ratio (quarter, annualized)

73.38%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets1.56%1.21%0.74%0.24%1.10%-46 bps
Return on Equityn/an/a8.89%2.80%11.82%n/a
Net Interest Marginn/a3.84%3.23%2.62%4.01%n/a
Efficiency Ration/a69.54%77.69%89.19%73.38%n/a
Non-Interest Burdenn/a2.60%2.46%2.30%2.86%n/a
Growth
Asset Growth (YoY)2.18%4.92%17.53%8.85%-6.81%-899 bps
Loan Growth (YoY)9.42%12.33%13.82%15.46%-1.19%-1,061 bps
Deposit Growth (YoY)1.15%10.35%17.09%7.85%-5.91%-706 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.00%0.00%0.00%0.00%n/a
Allowance / Loansn/a1.07%1.13%1.10%1.14%n/a
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 Capitaln/a14.13%15.68%15.26%16.36%n/a
Equity / Assetsn/a8.37%8.30%8.64%10.08%n/a
Liquidity & Funding
Loans / Deposits88.27%86.63%79.24%83.89%92.70%+443 bps
Liquid Assets / Assets0.00%2.02%1.98%2.05%2.35%+235 bps
CRE / Total Capitaln/an/an/an/an/an/an/a