Wichita, KS · Cert 19563
FDIC
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, 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.
Wichita, KS · Cert 19563
FDIC
Q2 2004
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.14% | 2.10% | 1.99% | 2.01% | 2.10% | 2.03% | 1.67% | 1.75% | -26 bps | |
| Return on Equity | 26.91% | 26.25% | 23.53% | 23.86% | 24.61% | 23.55% | 18.92% | 19.92% | -394 bps | |
| Net Interest Margin | 4.88% | 4.79% | 4.51% | 4.44% | 4.36% | 4.31% | 4.14% | 4.06% | -38 bps | |
| Efficiency Ratio | 54.70% | 55.08% | 55.64% | 55.59% | 56.73% | 56.71% | 62.78% | 62.69% | +710 bps | |
| Non-Interest Burden | 2.28% | 2.27% | 2.12% | 2.08% | 2.11% | 2.08% | 2.35% | 2.27% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.40% | 2.79% | 2.69% | 6.33% | 2.61% | 0.39% | 1.11% | 0.84% | -549 bps | |
| Loan Growth (YoY) | 6.49% | 14.42% | 16.62% | 12.70% | 8.56% | 7.13% | 1.12% | 5.03% | -767 bps | |
| Deposit Growth (YoY) | 3.24% | 1.87% | 1.92% | 5.96% | 4.63% | -2.38% | 1.37% | -1.26% | -721 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 | 0.28% | 0.28% | 0.23% | 0.23% | 0.20% | 0.23% | 0.13% | 0.11% | -12 bps | |
| Allowance / Loans | 0.99% | 0.99% | 0.98% | 0.98% | 0.83% | 0.83% | 0.83% | 0.74% | -24 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 | 10.03% | 10.08% | 10.40% | 9.98% | 10.46% | 10.47% | 10.43% | 10.05% | +7 bps | |
| Equity / Assets | 8.08% | 8.21% | 8.74% | 8.32% | 8.89% | 8.92% | 8.77% | 8.70% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.10% | 92.98% | 97.40% | 95.36% | 97.63% | 102.03% | 97.16% | 101.43% | +607 bps | |
| Liquid Assets / Assets | 11.10% | 10.16% | 7.16% | 7.16% | 6.86% | 5.88% | 5.75% | 5.78% | -138 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |