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Letter portraitLegal landscape

First Trust Company of Onaga, National Association

Onaga, KS · Cert 35589

FDIC

Q3 2002

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Trust Company of Onaga, National Association

Onaga, KS · Cert 35589

FDIC

Q3 2002

$665KAssets
n/aLoans
n/aDeposits
$616KEquity

NIM

0.00%Q1 ’010.19%Q3 ’010.20%Q3 ’02+4%

Non-interest income vs. expense

129.28%Q1 ’01147.96%Q3 ’01147.99%Q3 ’02+32%-83%

Executive Summary

  • Earnings: ROA of -4.35%, up 1,953 bps year over year; NIM at 0.20%.

Financial Results

Return on Assets (YTD, annualized)

-4.35%+1,953 bps YoY

Net Interest Margin (YTD, annualized)

0.20%+1 bps YoY

Efficiency Ratio (YTD, annualized)

104.92%-3,296 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2001Q4 2001Q1 2002Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets-23.87%-21.65%-2.98%-2.95%-4.35%+1,953 bps
Return on Equityn/an/a-3.15%-3.16%-4.67%n/a
Net Interest Margin0.19%0.28%0.00%0.29%0.20%+1 bps
Efficiency Ratio137.88%133.12%103.57%103.44%104.92%-3,296 bps
Non-Interest Burden40.84%36.32%4.75%4.99%7.13%-3,370 bps
Growth
Asset Growth (YoY)-21.36%-18.81%-11.95%-7.34%-2.35%+1,901 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital207%199.38%163.57%141.44%122.95%-8,359 bps
Equity / Assets97.36%97.26%92.41%90.49%92.63%-473 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a