Onaga, KS · Cert 35589
FDIC
Q3 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -30.21% | -14.36% | -2.98% | -2.90% | -7.06% | +2,315 bps | |
| Return on Equity | -31.30% | -14.76% | -3.15% | -3.17% | -7.72% | +2,359 bps | |
| Net Interest Margin | 0.57% | 0.57% | 0.00% | 0.59% | 0.00% | -57 bps | |
| Efficiency Ratio | 149.42% | 119.60% | 103.57% | 103.32% | 107.69% | -4,173 bps | |
| Non-Interest Burden | 49.00% | 22.79% | 4.75% | 5.29% | 11.29% | -3,771 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -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 |
| Deposit Growth (YoY) | 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 |
| Net Charge-Offs / Loans | 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 |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 207% | 199.38% | 163.57% | 141.44% | 122.95% | -8,359 bps | |
| Equity / Assets | 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 |
| Liquid Assets / Assets | 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 |