Ulysses, KS · Cert 25302
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 | -1.50% | -0.17% | -0.11% | 0.55% | -0.27% | -3.12% | -1.65% | 0.03% | -53 bps | |
| Return on Equity | -17.40% | -1.99% | -1.27% | 6.15% | -2.96% | -34.16% | -18.40% | 0.30% | -585 bps | |
| Net Interest Margin | 3.21% | 3.84% | 3.56% | 3.82% | 3.85% | 3.65% | 3.43% | 3.60% | -22 bps | |
| Efficiency Ratio | 109.96% | 85.13% | 82.84% | 76.95% | 86.63% | 101.89% | 94.89% | 101.77% | +2,482 bps | |
| Non-Interest Burden | 3.56% | 3.18% | 2.80% | 2.75% | 3.26% | 3.73% | 3.21% | 3.67% | +92 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.45% | -0.51% | -5.73% | -6.01% | -5.88% | -7.33% | -7.69% | -11.21% | -521 bps | |
| Loan Growth (YoY) | 0.50% | 6.44% | -1.55% | -5.58% | -4.91% | -8.68% | -13.98% | -15.66% | -1,007 bps | |
| Deposit Growth (YoY) | 2.71% | -2.36% | -4.07% | -2.57% | -3.69% | -6.96% | -5.20% | -11.24% | -866 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 | 0.73% | 2.73% | 0.52% | 3.32% | 1.25% | 0.82% | 10.40% | 0.33% | -299 bps | |
| Allowance / Loans | 1.57% | 1.20% | 1.46% | 0.85% | 0.91% | 2.50% | 1.06% | 1.08% | +23 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 | 11.67% | 11.61% | 11.99% | 11.35% | 10.03% | 13.91% | 11.45% | 11.30% | -5 bps | |
| Equity / Assets | 8.55% | 8.87% | 9.01% | 9.02% | 9.26% | 9.03% | 8.87% | 9.08% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.76% | 86.90% | 86.13% | 77.30% | 82.69% | 85.29% | 78.15% | 73.46% | -385 bps | |
| Liquid Assets / Assets | 2.10% | 1.80% | 1.34% | 1.29% | 0.85% | 0.99% | 2.29% | 0.73% | -56 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |