Macksville, KS · Cert 18051
FDIC
Q1 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.94% | 1.96% | 0.51% | 1.77% | 1.37% | 1.74% | 1.42% | 0.65% | -112 bps | |
| Return on Equity | 10.20% | 21.53% | 5.79% | 20.96% | 15.36% | 19.09% | 15.95% | 7.32% | -1,364 bps | |
| Net Interest Margin | 3.67% | 4.37% | 3.76% | 4.18% | 3.81% | 3.90% | 3.87% | 3.06% | -112 bps | |
| Efficiency Ratio | 74.91% | 56.40% | 66.03% | 57.69% | 65.40% | 57.89% | 63.99% | 80.70% | +2,301 bps | |
| Non-Interest Burden | 2.66% | 2.31% | 2.32% | 2.29% | 2.36% | 2.03% | 2.27% | 2.38% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.86% | 9.55% | 6.90% | 10.54% | 4.09% | 10.83% | 6.55% | 4.37% | -617 bps | |
| Loan Growth (YoY) | 20.55% | 30.00% | 23.82% | 26.96% | 11.06% | 12.25% | -2.04% | -12.04% | -3,899 bps | |
| Deposit Growth (YoY) | 3.22% | -0.74% | -0.03% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.11% | 0.20% | 1.53% | 0.00% | -0.02% | 0.00% | 0.00% | -153 bps | |
| Allowance / Loans | 2.06% | 1.92% | 1.94% | 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 | 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 | 12.46% | 11.30% | 11.11% | 11.89% | 12.79% | 13.12% | 12.74% | 13.69% | +179 bps | |
| Equity / Assets | 8.94% | 9.29% | 8.45% | 8.47% | 9.34% | 8.86% | 8.91% | 8.91% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.34% | 87.26% | 96.11% | 91.74% | 86.75% | 87.84% | 90.34% | 77.00% | -1,474 bps | |
| Liquid Assets / Assets | 11.23% | 10.73% | 9.04% | 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 | n/a | n/a | n/a |