Lincoln, KS · Cert 4719
FDIC
Q4 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2003, the quarter ended December 31, 2003, 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.
Lincoln, KS · Cert 4719
FDIC
Q4 2003
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 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.12% | 2.00% | 1.77% | 1.30% | 1.36% | 1.41% | 1.47% | 1.15% | -15 bps | |
| Return on Equity | 28.83% | 27.03% | 23.91% | 17.72% | 18.62% | 19.12% | 19.72% | 15.45% | -227 bps | |
| Net Interest Margin | 3.85% | 4.03% | 3.72% | 3.84% | 3.90% | 3.94% | 3.94% | 3.97% | +13 bps | |
| Efficiency Ratio | 56.16% | 58.03% | 61.41% | 70.58% | 68.20% | 65.90% | 65.06% | 73.04% | +246 bps | |
| Non-Interest Burden | 1.74% | 2.02% | 2.06% | 2.55% | 2.52% | 2.47% | 2.43% | 2.80% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.54% | 15.14% | 16.08% | 10.11% | 12.97% | 6.67% | 1.59% | 6.47% | -364 bps | |
| Loan Growth (YoY) | 4.73% | 9.14% | 10.02% | 11.33% | 13.27% | 5.92% | 5.77% | 7.97% | -336 bps | |
| Deposit Growth (YoY) | 14.48% | 17.19% | 16.48% | 7.93% | 11.06% | 4.17% | 1.37% | 7.16% | -77 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 | -0.25% | -0.26% | -0.22% | -0.10% | -0.11% | -0.18% | -0.19% | -0.15% | -5 bps | |
| Allowance / Loans | 1.40% | 1.34% | 1.35% | 1.27% | 1.31% | 1.33% | 1.36% | 1.32% | +5 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 | 12.15% | 12.55% | 12.70% | 12.35% | 12.96% | 12.89% | 13.55% | 12.97% | +62 bps | |
| Equity / Assets | 7.58% | 7.47% | 7.40% | 7.17% | 7.44% | 7.49% | 7.81% | 7.24% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.37% | 85.70% | 86.47% | 85.56% | 84.02% | 87.13% | 90.22% | 86.21% | +65 bps | |
| Liquid Assets / Assets | 14.87% | 18.20% | 16.15% | 15.93% | 19.99% | 17.96% | 15.94% | 12.01% | -392 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |