Anthony, KS · Cert 4615
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.
Anthony, KS · Cert 4615
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 | 1.44% | 2.08% | 1.92% | 1.60% | 0.91% | 0.70% | -0.18% | -0.46% | -206 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 3.77% | -1.09% | -2.91% | n/a | |
| Net Interest Margin | n/a | 4.61% | 4.31% | 3.91% | 3.70% | 2.82% | 0.65% | 0.98% | -294 bps | |
| Efficiency Ratio | n/a | 55.88% | 56.24% | 60.69% | 72.93% | 77.90% | 118.37% | 131.19% | +7,050 bps | |
| Non-Interest Burden | n/a | 2.40% | 2.25% | 2.23% | 2.59% | 2.12% | 0.80% | 1.36% | -87 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.81% | -11.99% | -6.36% | -2.05% | -1.70% | -2.52% | 0.82% | -3.66% | -161 bps | |
| Loan Growth (YoY) | -15.38% | -10.34% | 0.24% | -10.49% | -5.35% | -11.17% | -32.05% | -30.36% | -1,987 bps | |
| Deposit Growth (YoY) | -7.09% | -14.47% | -8.69% | -3.14% | -3.41% | -2.49% | 7.76% | 2.48% | +563 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 | -0.02% | 0.32% | 0.15% | 0.17% | 0.00% | 0.02% | 0.49% | +35 bps | |
| Allowance / Loans | n/a | 1.59% | 1.53% | 1.65% | 1.45% | 1.60% | 2.26% | 2.07% | +42 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 | 31.34% | 33.46% | 34.15% | 32.37% | 33.62% | 20.20% | 18.10% | -1,605 bps | |
| Equity / Assets | n/a | 18.26% | 18.84% | 18.45% | 18.81% | 18.37% | 13.42% | 13.31% | -514 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.98% | 63.10% | 59.94% | 55.42% | 62.69% | 57.48% | 37.80% | 37.66% | -1,776 bps | |
| Liquid Assets / Assets | 0.00% | 15.13% | 11.87% | 8.62% | 8.94% | 8.93% | 3.91% | 0.39% | -823 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |