Onaga, KS · Cert 35589
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 35589
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 | -22.42% | -19.67% | -20.81% | -23.87% | -21.65% | -2.98% | -2.95% | -4.35% | +1,953 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | -3.15% | -3.16% | -4.67% | n/a | |
| Net Interest Margin | n/a | 0.00% | 0.00% | 0.19% | 0.28% | 0.00% | 0.29% | 0.20% | +1 bps | |
| Efficiency Ratio | n/a | 131.44% | 132.82% | 137.88% | 133.12% | 103.57% | 103.44% | 104.92% | -3,296 bps | |
| Non-Interest Burden | n/a | 30.93% | 34.26% | 40.84% | 36.32% | 4.75% | 4.99% | 7.13% | -3,370 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | -22.20% | -19.46% | -21.36% | -18.81% | -11.95% | -7.34% | -2.35% | +1,901 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 248% | 238% | 207% | 199.38% | 163.57% | 141.44% | 122.95% | -8,359 bps | |
| Equity / Assets | n/a | 97.56% | 95.73% | 97.36% | 97.26% | 92.41% | 90.49% | 92.63% | -473 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |