Clay Center, NE · Cert 18782
FDIC
Q4 2002
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Clay Center, NE · Cert 18782
FDIC
Q4 2002
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 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.86%1 | 2.05% | 1.62% | 1.32% | 1.12% | 1.37% | 1.47% | 1.31% | -2 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 9.08% | 10.92% | 11.48% | 10.16% | n/a | |
| Net Interest Margin | 3.66% | 3.49% | 3.37% | 3.55% | 3.47% | 3.71% | 3.85% | 3.76% | +20 bps | |
| Efficiency Ratio | 61.29% | 60.77% | 65.02% | 67.79% | 59.15% | 53.81% | 53.35% | 57.62% | -1,017 bps | |
| Non-Interest Burden | 1.93% | 1.81% | 1.93% | 2.19% | 1.89% | 1.72% | 1.78% | 1.92% | -27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.99% | 8.08% | 11.54% | 10.93% | 7.62% | 5.49% | 4.34% | 3.12% | -780 bps | |
| Loan Growth (YoY) | 33.61% | 27.46% | 32.36% | 13.83% | 1.22% | -4.88% | -4.31% | -2.91% | -1,674 bps | |
| Deposit Growth (YoY) | 5.50% | 8.99% | 12.35% | 13.73% | 8.42% | 7.92% | 6.95% | 1.88% | -1,185 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 | -0.56% | -0.24% | 0.06% | 0.04% | 0.32% | 0.31% | 0.57% | 0.53% | +49 bps | |
| Allowance / Loans | 3.21% | 2.79% | 2.51% | 2.75% | 2.99% | 2.72% | 2.35% | 2.45% | -30 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 | 17.99% | 15.87% | 15.30% | 13.73% | 15.69% | 15.40% | 15.11% | 15.94% | +222 bps | |
| Equity / Assets | 12.69% | 12.55% | 12.78% | 12.20% | 12.48% | 13.02% | 13.37% | 13.18% | +98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.41% | 70.53% | 72.00% | 61.43% | 57.33% | 62.16% | 64.42% | 58.54% | -289 bps | |
| Liquid Assets / Assets | 6.33% | 5.78% | 5.18% | 5.54% | 5.66% | 4.90% | 4.55% | 5.42% | -12 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |