Atkinson, NE · Cert 5378
FDIC
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, 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.
Atkinson, NE · Cert 5378
FDIC
Q4 2001
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.67% | 1.61% | 1.60% | 1.84% | 1.97% | +31 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | 3.81% | 3.89% | 3.95% | 3.89% | n/a | |
| Efficiency Ratio | n/a | 59.20% | 60.36% | 59.30% | 61.08% | n/a | |
| Non-Interest Burden | n/a | 2.15% | 2.23% | 2.21% | 2.25% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 11.81% | 3.28% | 2.34% | -4.52% | -4.91% | -1,672 bps | |
| Loan Growth (YoY) | 11.50% | 6.78% | 8.24% | 2.87% | -8.57% | -2,007 bps | |
| Deposit Growth (YoY) | 7.72% | 5.71% | 7.73% | 3.16% | 1.51% | -621 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | -0.03% | 0.26% | 0.17% | 0.13% | n/a | |
| Allowance / Loans | n/a | 1.65% | 1.44% | 1.47% | 1.55% | n/a | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | n/a | 14.81% | 13.77% | 14.67% | 15.61% | n/a | |
| Equity / Assets | n/a | 11.17% | 10.66% | 10.98% | 10.09% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.92% | 73.94% | 75.90% | 77.96% | 70.18% | -774 bps | |
| Liquid Assets / Assets | 0.00% | 0.02% | 0.03% | 0.03% | 0.04% | +4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |