Hardtner, KS · Cert 17677
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.
Hardtner, KS · Cert 17677
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 | 0.76% | -0.20% | 0.54% | 0.79% | 1.25% | -8.05% | -5.99% | -7.74% | -852 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 | 4.68% | 3.70% | 3.24% | 3.35% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 59.24% | 71.73% | 83.76% | 92.23% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | 2.66% | 2.57% | 2.67% | 3.06% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.47% | -2.87% | 0.83% | 3.50% | 6.75% | 3.69% | -3.16% | -17.11% | -2,061 bps | |
| Loan Growth (YoY) | 5.24% | -1.20% | -0.87% | 0.71% | 4.63% | 4.87% | -1.90% | -25.90% | -2,661 bps | |
| Deposit Growth (YoY) | 0.14% | -2.97% | 1.04% | 3.50% | 6.90% | 8.47% | 1.38% | -10.51% | -1,400 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 | -0.02% | 5.08% | 5.02% | 9.40% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | 2.24% | 6.92% | 7.56% | 9.25% | 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 | 12.97% | 8.06% | 7.98% | 4.70% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | 9.93% | 5.72% | 5.55% | 3.06% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.62% | 75.88% | 72.97% | 78.15% | 76.96% | 73.36% | 70.61% | 64.70% | -1,345 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 3.17% | 3.24% | 2.93% | 1.77% | +177 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |