Wilmore, KS · Cert 17647
FDIC
Q2 2001
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Wilmore, KS · Cert 17647
FDIC
Q2 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 | Q3 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.30% | 0.31% | 0.62% | 0.58% | 0.66% | 0.57% | -0.09% | -0.13% | -71 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 | n/a | n/a | 2.85% | 2.97% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 119.44% | 109.86% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | n/a | 3.44% | 3.28% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.83% | 10.39% | 6.03% | 11.60% | 13.62% | 2.81% | 2.31% | 4.04% | -756 bps | |
| Loan Growth (YoY) | -15.46% | -4.00% | 7.41% | 22.38% | 19.31% | 7.87% | 9.74% | -6.96% | -2,933 bps | |
| Deposit Growth (YoY) | -2.67% | 13.15% | 7.06% | 14.40% | 17.06% | 3.29% | 2.13% | 4.75% | -965 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 | n/a | n/a | 0.00% | 0.00% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | 10.35% | 9.74% | 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 | n/a | n/a | 74.18% | 68.15% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 21.87% | 20.36% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 17.31% | 11.76% | 14.78% | 17.48% | 17.64% | 12.28% | 15.88% | 15.53% | -195 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |