PackageTrendsPeer
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Commercial State Bank

Clay Center, NE · Cert 18782

FDIC

Q4 2002

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2002, the quarter ended December 31, 2002, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Commercial State Bank

Clay Center, NE · Cert 18782

FDIC

Q4 2002

$32.0MAssets
$16.2MLoans
$27.6MDeposits
$4.2MEquity
Loan mix
50%RE $3.4M50%C&I $3.4M0%Consumer $0.0MQ4 2001Q4 2002
Deposit mix
89%Interest-bearing $24.6M11%Noninterest $3.0MQ4 2001Q4 2002

NIM

7.44%Q1 ’017.12%Q4 ’016.24%Q4 ’02-3%+6%

Non-interest income vs. expense

2.73%Q1 ’012.87%Q4 ’012.54%Q4 ’02+14%-12%

Executive Summary

  • Earnings: ROA of 1.31%, down 2 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.53%.
  • Funding: loans stand at 58.54% of deposits as of Q4 2002.

Financial Results

Return on Assets (YTD, annualized)

1.31%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.76%+20 bps YoY

Efficiency Ratio (YTD, annualized)

57.62%-1,017 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2001Q1 2002Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets1.32%1.12%1.37%1.47%1.31%-2 bps
Return on Equityn/a9.08%10.92%11.48%10.16%n/a
Net Interest Margin3.55%3.47%3.71%3.85%3.76%+20 bps
Efficiency Ratio67.79%59.15%53.81%53.35%57.62%-1,017 bps
Non-Interest Burden2.19%1.89%1.72%1.78%1.92%-27 bps
Growth
Asset Growth (YoY)10.93%7.62%5.49%4.34%3.12%-780 bps
Loan Growth (YoY)13.83%1.22%-4.88%-4.31%-2.91%-1,674 bps
Deposit Growth (YoY)13.73%8.42%7.92%6.95%1.88%-1,185 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.04%0.32%0.31%0.57%0.53%+49 bps
Allowance / Loans2.75%2.99%2.72%2.35%2.45%-30 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital13.73%15.69%15.40%15.11%15.94%+222 bps
Equity / Assets12.20%12.48%13.02%13.37%13.18%+98 bps
Liquidity & Funding
Loans / Deposits61.43%57.33%62.16%64.42%58.54%-289 bps
Liquid Assets / Assets5.54%5.66%4.90%4.55%5.42%-12 bps
CRE / Total Capitaln/an/an/an/an/an/an/a