Kearney, NE · Charter 18290
Q4 2001
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.26% | 4.41% | 2.01% | 0.14% | 0.05% | 0.34% | 0.09% | -4.62% | -477 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 1.74% | 0.44% | -27.18% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 6.39% | 5.31% | 5.26% | 5.00% | 1.16% | -523 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 97.84% | 99.19% | 93.88% | 98.40% | 417% | +31,917 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.02% | -20.14% | -22.54% | -27.65% | -10.30% | 3.70% | 9.36% | 4.39% | +3,205 bps | |
| Loan Growth (YoY) | 8.42% | 5.48% | -34.90% | -34.33% | -37.42% | -18.75% | -7.71% | -25.88% | +845 bps | |
| Share Growth (YoY) | -15.02% | -26.27% | -29.19% | -34.48% | -13.33% | 3.88% | 10.88% | 12.23% | +4,670 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.88% | 0.26% | 1.71% | 0.93% | 1.27% | 1.08% | 0.32% | 0.00% | -93 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.20% | 2.69% | 3.23% | 3.19% | 3.73% | 3.31% | 2.76% | 3.16% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 19.33% | 19.38% | 17.00% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 19.33% | 19.38% | 17.00% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.25% | 96.71% | 86.05% | 95.14% | 70.95% | 75.64% | 71.63% | 62.83% | -3,231 bps | |
| Liquid Assets / Assets | 3.08% | 3.72% | 0.00% | 5.41% | 4.07% | 38.90% | 41.98% | 46.91% | +4,150 bps | |