Overland Park, KS · Cert 33960
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.
Overland Park, KS · Cert 33960
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 | 0.31% | -0.42% | -0.19% | -0.15% | -0.75% | 0.20% | 0.50% | 0.68% | +82 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 2.57% | 6.45% | 8.73% | n/a | |
| Net Interest Margin | n/a | 3.74% | 3.54% | 3.66% | 3.67% | 3.75% | 3.68% | 4.54% | +89 bps | |
| Efficiency Ratio | n/a | 111.15% | 105.52% | 103.76% | 104.74% | 91.63% | 91.37% | 87.37% | -1,639 bps | |
| Non-Interest Burden | n/a | 4.29% | 3.80% | 3.83% | 3.88% | 3.43% | 3.37% | 3.94% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.30% | 17.98% | 16.19% | 4.35% | 4.81% | 2.68% | 3.17% | 9.21% | +486 bps | |
| Loan Growth (YoY) | -2.40% | -4.61% | -7.00% | -5.70% | 4.40% | 12.01% | 22.10% | 27.84% | +3,354 bps | |
| Deposit Growth (YoY) | 15.16% | 20.61% | 17.03% | 4.46% | 1.72% | -2.19% | -1.68% | 1.72% | -274 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 | 4.53% | 2.30% | 1.49% | 1.40% | -0.26% | 0.18% | 0.09% | -140 bps | |
| Allowance / Loans | n/a | 1.37% | 1.42% | 1.40% | 1.78% | 1.77% | 1.55% | 1.48% | +8 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 | 10.41% | 10.75% | 10.55% | 10.56% | 10.27% | 10.31% | 10.27% | -28 bps | |
| Equity / Assets | n/a | 7.26% | 7.36% | 7.67% | 7.84% | 7.66% | 7.79% | 7.71% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.96% | 76.14% | 74.47% | 79.28% | 84.12% | 87.19% | 92.48% | 99.64% | +2,036 bps | |
| Liquid Assets / Assets | 0.00% | 0.03% | 0.12% | 0.02% | 0.04% | 0.06% | 0.05% | 0.04% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |