Saint John, KS · Cert 4765
FDIC
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, 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.
Saint John, KS · Cert 4765
FDIC
Q2 2004
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.01% | 1.85% | 1.75% | 1.79% | 1.98% | 1.78% | 3.77% | 2.56% | +78 bps | |
| Return on Equity | 15.84% | 14.48% | 12.59% | 12.89% | 14.09% | 12.93% | 27.78% | 18.60% | +570 bps | |
| Net Interest Margin | 4.59% | 4.63% | 4.40% | 4.49% | 4.43% | 4.34% | 4.21% | 4.21% | -28 bps | |
| Efficiency Ratio | 58.18% | 59.61% | 56.30% | 57.13% | 56.95% | 61.29% | 65.30% | 62.24% | +511 bps | |
| Non-Interest Burden | 2.48% | 2.57% | 2.25% | 2.33% | 2.28% | 2.44% | 2.59% | 2.37% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.86% | -6.24% | -5.63% | -1.98% | -4.60% | -2.05% | -1.64% | -4.03% | -205 bps | |
| Loan Growth (YoY) | -5.88% | -6.51% | -2.65% | -7.21% | -10.63% | -7.17% | -8.36% | -7.58% | -37 bps | |
| Deposit Growth (YoY) | -8.45% | -6.85% | -5.96% | -0.78% | -2.13% | -3.15% | -0.75% | -4.32% | -353 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 | 0.46% | 0.78% | -0.05% | -0.68% | -0.48% | -0.08% | -0.43% | -0.24% | +45 bps | |
| Allowance / Loans | 1.65% | 1.35% | 1.66% | 2.09% | 2.23% | 1.85% | 2.10% | 2.12% | +3 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 | 18.86% | 18.80% | 20.51% | 20.04% | 21.47% | 19.47% | 22.07% | 23.51% | +347 bps | |
| Equity / Assets | 13.86% | 13.32% | 14.44% | 13.83% | 14.61% | 12.86% | 14.34% | 14.18% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.18% | 79.79% | 79.61% | 75.76% | 76.88% | 76.48% | 73.51% | 73.17% | -258 bps | |
| Liquid Assets / Assets | 0.05% | 0.03% | 0.06% | 0.04% | 0.06% | 0.07% | 0.06% | 0.03% | 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 |