PackageTrendsPeer
Letter portraitLegal landscape

Wilmore State Bank

Wilmore, KS · Cert 17647

FDIC

Q2 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2001, the quarter ended June 30, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Wilmore State Bank

Wilmore, KS · Cert 17647

FDIC

Q2 2001

$4.7MAssets
$575KLoans
$3.7MDeposits
$960KEquity
Deposit mix
94%Interest-bearing $3.5M6%Noninterest $0.2MQ2 2000Q2 2001

NIM

5.88%Q1 ’015.94%Q2 ’01+4%

Non-interest income vs. expense

3.61%Q1 ’013.46%Q2 ’01-5%

Executive Summary

  • Earnings: ROA of -0.13%, down 71 bps year over year; NIM at 2.97%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 15.53% of deposits as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

-0.13%-71 bps YoY

Net Interest Margin (YTD, annualized)

2.97%

Efficiency Ratio (YTD, annualized)

109.86%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets0.58%0.66%0.57%-0.09%-0.13%-71 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a2.85%2.97%n/a
Efficiency Ration/an/an/a119.44%109.86%n/a
Non-Interest Burdenn/an/an/a3.44%3.28%n/a
Growth
Asset Growth (YoY)11.60%13.62%2.81%2.31%4.04%-756 bps
Loan Growth (YoY)22.38%19.31%7.87%9.74%-6.96%-2,933 bps
Deposit Growth (YoY)14.40%17.06%3.29%2.13%4.75%-965 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.00%0.00%n/a
Allowance / Loansn/an/an/a10.35%9.74%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/an/an/a74.18%68.15%n/a
Equity / Assetsn/an/an/a21.87%20.36%n/a
Liquidity & Funding
Loans / Deposits17.48%17.64%12.28%15.88%15.53%-195 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a