Saint John, KS · Cert 4765
FDIC
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.07% | 1.42% | 1.75% | 1.85% | 2.34% | 1.26% | 3.77% | 1.34% | -51 bps | |
| Return on Equity | 15.41% | 10.49% | 12.59% | 13.11% | 16.50% | 9.18% | 27.78% | 9.41% | -370 bps | |
| Net Interest Margin | 4.60% | 4.59% | 4.40% | 4.43% | 4.27% | 4.29% | 4.21% | 4.16% | -27 bps | |
| Efficiency Ratio | 58.58% | 63.99% | 56.30% | 57.98% | 56.57% | 74.25% | 65.30% | 59.36% | +138 bps | |
| Non-Interest Burden | 2.50% | 2.78% | 2.25% | 2.34% | 2.16% | 3.01% | 2.59% | 2.13% | -21 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 | -0.17% | 1.72% | -0.05% | -1.31% | -0.01% | 1.08% | -0.43% | -0.04% | +127 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 |