PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Trust Company of Onaga, National Association

Onaga, KS · Cert 35589

FDIC

Q3 2002

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

Executive Summary

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

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
n/a

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%

Year to date, annualized, through each quarter.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001Q1 2002Q2 2002Q3 2002YoY ΔTrend
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 Equityn/an/an/an/an/a-3.15%-3.16%-4.67%n/a
Net Interest Marginn/a0.00%0.00%0.19%0.28%0.00%0.29%0.20%+1 bps
Efficiency Ration/a131.44%132.82%137.88%133.12%103.57%103.44%104.92%-3,296 bps
Non-Interest Burdenn/a30.93%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/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/a248%238%207%199.38%163.57%141.44%122.95%-8,359 bps
Equity / Assetsn/a97.56%95.73%97.36%97.26%92.41%90.49%92.63%-473 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a