Beatrice, NE · Cert 5383
FDIC
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 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.
Beatrice, NE · Cert 5383
FDIC
Q2 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 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.06% | 1.03% | 1.22% | 1.14% | -3.06% | -3.73% | 0.69% | -4.65% | -579 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 9.63% | -70.56% | n/a | |
| Net Interest Margin | n/a | n/a | 4.69% | 4.74% | 4.03% | 4.11% | 5.00% | 5.14% | +40 bps | |
| Efficiency Ratio | n/a | n/a | 69.51% | 68.52% | 77.88% | 83.47% | 78.39% | 80.92% | +1,241 bps | |
| Non-Interest Burden | n/a | n/a | 2.91% | 2.92% | 2.92% | 3.27% | 3.69% | 3.91% | +100 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.31% | 4.30% | 6.80% | 6.17% | 2.08% | -4.60% | -13.17% | -20.89% | -2,706 bps | |
| Loan Growth (YoY) | 3.54% | 3.68% | 8.53% | 5.34% | 4.77% | -5.93% | -15.26% | -24.07% | -2,941 bps | |
| Deposit Growth (YoY) | 1.82% | 7.65% | 3.36% | 5.00% | 2.17% | -3.80% | -10.91% | -11.45% | -1,645 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 | n/a | -0.01% | 0.05% | 2.56% | 5.34% | 0.59% | 9.87% | +982 bps | |
| Allowance / Loans | n/a | n/a | 1.00% | 1.00% | 4.32% | 4.42% | 4.60% | 5.49% | +448 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 | n/a | 10.79% | 10.54% | 6.57% | 9.74% | 10.77% | 5.67% | -487 bps | |
| Equity / Assets | n/a | n/a | 8.09% | 7.90% | 4.96% | 6.73% | 7.56% | 5.40% | -249 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.44% | 89.46% | 96.25% | 98.09% | 96.83% | 87.48% | 91.55% | 84.11% | -1,398 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.01% | 0.01% | 0.01% | 0.02% | 0.02% | 0.03% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |