Onaga, KS · Cert 26326
FDIC
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 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.
Onaga, KS · Cert 26326
FDIC
Q3 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 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 1.35% | 1.40% | 1.29% | 1.22% | 1.16% | 1.15% | 1.27% | -2 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 15.00% | 14.71% | 16.30% | n/a | |
| Net Interest Margin | n/a | 3.82% | 3.62% | 3.40% | 3.10% | 3.04% | 3.14% | 3.11% | -30 bps | |
| Efficiency Ratio | n/a | 63.56% | 63.30% | 64.81% | 66.36% | 63.55% | 64.53% | 62.47% | -234 bps | |
| Non-Interest Burden | n/a | 1.48% | 1.25% | 1.25% | 1.19% | 0.98% | 1.17% | 0.98% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.56% | 10.99% | 5.54% | 9.55% | 30.36% | 20.22% | 26.67% | 26.44% | +1,690 bps | |
| Loan Growth (YoY) | 56.25% | 41.51% | 33.16% | 23.10% | 42.30% | 31.54% | 32.84% | 32.98% | +988 bps | |
| Deposit Growth (YoY) | 15.56% | 6.08% | 11.63% | 8.66% | 19.40% | 15.56% | 16.81% | 15.08% | +642 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 | n/a | -0.07% | -0.04% | -0.02% | -0.01% | 0.00% | 0.00% | 0.04% | +6 bps | |
| Allowance / Loans | n/a | 1.13% | 1.16% | 1.20% | 1.12% | 1.13% | 1.14% | 1.14% | -7 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 | n/a | 11.14% | 10.96% | 10.87% | 11.54% | 11.44% | 11.24% | 11.24% | +36 bps | |
| Equity / Assets | n/a | 7.55% | 7.81% | 7.70% | 7.54% | 7.91% | 7.98% | 7.83% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.12% | 84.10% | 86.57% | 86.87% | 85.95% | 95.73% | 98.45% | 100.38% | +1,351 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.01% | 0.04% | 0.05% | 0.01% | 0.01% | 0.01% | -3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |