Macksville, KS · Cert 18051
FDIC
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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.
Macksville, KS · Cert 18051
FDIC
Q1 2003
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 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.77% | 1.58% | 1.62% | 1.57% | 0.65% | -112 bps | |
| Return on Equity | 20.96% | 18.02% | 18.42% | 17.85% | 7.32% | -1,364 bps | |
| Net Interest Margin | 4.18% | 4.01% | 3.91% | 3.75% | 3.06% | -112 bps | |
| Efficiency Ratio | 57.69% | 61.41% | 60.20% | 61.21% | 80.70% | +2,301 bps | |
| Non-Interest Burden | 2.29% | 2.33% | 2.19% | 2.13% | 2.38% | +10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.54% | 4.09% | 10.83% | 6.55% | 4.37% | -617 bps | |
| Loan Growth (YoY) | 26.96% | 11.06% | 12.25% | -2.04% | -12.04% | -3,899 bps | |
| Deposit Growth (YoY) | 3.02% | 7.96% | 11.51% | 4.21% | 4.80% | +178 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.53% | 0.81% | 0.50% | 0.39% | 0.00% | -153 bps | |
| Allowance / Loans | 1.55% | 1.63% | 1.53% | 1.64% | 1.82% | +27 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 11.89% | 12.79% | 13.12% | 12.74% | 13.69% | +179 bps | |
| Equity / Assets | 8.47% | 9.34% | 8.86% | 8.91% | 8.91% | +44 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.74% | 86.75% | 87.84% | 90.34% | 77.00% | -1,474 bps | |
| Liquid Assets / Assets | 8.15% | 7.20% | 8.90% | 9.59% | 9.55% | +140 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |