Coffeyville, KS · Charter 62678
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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.
Coffeyville, KS · Charter 62678
Q3 2003
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.37% | -0.56% | 0.67% | 0.82% | 0.96% | 0.76% | 0.88% | 0.79% | -3 bps | |
| Return on Equity | -32.70% | -8.22% | 10.58% | 11.74% | 13.29% | 9.66% | 10.73% | 12.52% | +78 bps | |
| Net Interest Margin | 4.05% | 4.50% | 4.65% | 4.91% | 5.35% | 5.07% | 5.10% | 5.24% | +33 bps | |
| Efficiency Ratio | 105.88% | 89.94% | 73.63% | 73.06% | 72.44% | 82.46% | 81.64% | 84.66% | +1,160 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.25% | -14.19% | 6.44% | 6.21% | -3.76% | 1.20% | -11.62% | -8.99% | -1,520 bps | |
| Loan Growth (YoY) | -5.58% | -16.60% | -12.38% | -12.32% | -11.26% | -6.45% | -7.99% | -4.85% | +747 bps | |
| Share Growth (YoY) | -15.73% | -16.23% | 5.22% | 4.25% | -7.04% | -0.01% | -13.34% | -8.26% | -1,251 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.71% | 2.44% | 1.42% | 0.52% | 0.65% | 0.83% | 0.30% | 0.28% | -24 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.77% | 1.58% | 1.10% | 0.80% | 1.33% | 1.51% | 1.47% | 1.39% | +59 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 4.19% | 6.76% | 6.31% | 7.01% | 7.26% | 7.83% | 8.17% | 6.29% | -72 bps | |
| Net Worth / Assets | 4.19% | 6.76% | 6.31% | 7.01% | 7.26% | 7.83% | 8.17% | 6.29% | -72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.53% | 80.04% | 71.57% | 74.98% | 76.88% | 74.88% | 76.00% | 77.77% | +278 bps | |
| Liquid Assets / Assets | 17.45% | 19.30% | 27.76% | 24.59% | 23.37% | 24.68% | 23.26% | 20.14% | -446 bps | |