Doniphan, NE · Cert 57106
FDIC
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 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.
Doniphan, NE · Cert 57106
FDIC
Q3 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 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 2.87% | 2.82% | 0.36% | 0.80% | 2.64% | 3.28% | 3.48% | +312 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 5.85% | 7.44% | 8.15% | n/a | |
| Net Interest Margin | 5.98% | 6.19% | 6.23% | 6.19% | 6.34% | 6.17% | 6.66% | +43 bps | |
| Efficiency Ratio | 53.57% | 54.96% | 57.89% | 60.56% | 62.03% | 53.61% | 54.09% | -380 bps | |
| Non-Interest Burden | 2.93% | 3.17% | 3.39% | 3.55% | 3.70% | 2.87% | 3.14% | -25 bps | |
| Growth | |||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 29.79% | 19.03% | 35.68% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 34.00% | 15.16% | 36.39% | n/a | |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | 61.64% | 60.74% | 50.91% | n/a | |
| Asset Quality | |||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.00% | 0.00% | 2.00% | 2.07% | 1.71% | 1.71% | 1.46% | -53 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 59.33% | 51.66% | 52.94% | 55.32% | 47.49% | 49.07% | 42.38% | -1,056 bps | |
| Equity / Assets | 55.89% | 49.16% | 49.31% | 46.43% | 43.89% | 42.37% | 39.09% | -1,022 bps | |
| Liquidity & Funding | |||||||||
| Loans / Deposits | 211% | 219% | 200% | 158.75% | 174.98% | 156.94% | 181.00% | -1,926 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |