Kimball, NE · Cert 5423
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.
Kimball, NE · Cert 5423
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 | 0.36% | 0.57% | 0.85% | 0.91% | 0.88% | 0.95% | 1.46% | 1.68% | +77 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 10.35% | 11.87% | n/a | |
| Net Interest Margin | n/a | n/a | 3.46% | 3.56% | 3.64% | 3.62% | 3.55% | 3.66% | +10 bps | |
| Efficiency Ratio | n/a | n/a | 70.96% | 69.47% | 69.59% | 66.88% | 55.10% | 49.57% | -1,990 bps | |
| Non-Interest Burden | n/a | n/a | 2.34% | 2.33% | 2.39% | 2.27% | 1.80% | 1.60% | -73 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.65% | 9.37% | 8.50% | -10.07% | -6.52% | -5.68% | -3.18% | 1.21% | +1,128 bps | |
| Loan Growth (YoY) | -9.79% | -9.71% | 4.59% | 3.66% | 6.63% | 14.28% | -1.80% | 7.21% | +356 bps | |
| Deposit Growth (YoY) | 9.56% | 6.03% | 5.74% | -11.39% | -7.49% | -6.03% | -3.10% | 0.75% | +1,214 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 | 0.00% | -0.03% | 0.02% | 0.02% | 0.04% | 0.09% | +11 bps | |
| Allowance / Loans | n/a | n/a | 1.61% | 1.60% | 1.60% | 1.62% | 1.74% | 1.54% | -6 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 | 15.12% | 10.83% | 10.45% | 12.46% | 12.16% | 12.00% | +117 bps | |
| Equity / Assets | n/a | n/a | 14.64% | 14.98% | 14.61% | 14.20% | 14.08% | 14.29% | -69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.90% | 51.89% | 57.78% | 63.15% | 63.27% | 63.10% | 58.56% | 67.20% | +405 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 19.66% | 18.58% | 17.35% | 19.10% | 18.10% | 19.84% | +126 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |