Manhattan, KS · Charter 63208
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.
Manhattan, KS · Charter 63208
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 | 1.52% | 0.65% | 0.49% | 1.07% | 1.14% | 0.67% | 0.81% | 0.98% | -10 bps | |
| Return on Equity | 10.61% | 4.82% | 3.67% | 8.21% | 8.35% | 4.93% | 5.92% | 6.55% | -167 bps | |
| Net Interest Margin | 3.80% | 3.19% | 3.63% | 3.41% | 3.50% | 3.27% | 3.53% | 3.65% | +24 bps | |
| Efficiency Ratio | 60.90% | 72.94% | 70.12% | 70.27% | 71.55% | 77.79% | 78.49% | 73.07% | +281 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.74% | 12.78% | 16.38% | 29.41% | 13.68% | 9.66% | 5.02% | -5.73% | -3,514 bps | |
| Loan Growth (YoY) | 22.31% | 17.71% | -4.23% | -13.23% | -22.22% | -23.33% | -24.33% | -22.30% | -907 bps | |
| Share Growth (YoY) | 3.96% | 11.67% | 16.86% | 32.68% | 14.64% | 9.42% | 4.74% | -7.63% | -4,030 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.19% | 0.15% | 0.81% | 2.38% | 2.89% | 0.85% | +70 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 | 0.17% | 0.52% | 0.63% | 0.71% | 0.82% | 0.95% | 0.56% | 0.62% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.32% | 13.56% | 13.47% | 13.04% | 13.67% | 13.66% | 13.75% | 14.89% | +185 bps | |
| Net Worth / Assets | 14.32% | 13.56% | 13.47% | 13.04% | 13.67% | 13.66% | 13.75% | 14.89% | +185 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.41% | 76.21% | 68.83% | 60.05% | 57.95% | 53.40% | 49.73% | 50.51% | -954 bps | |
| Liquid Assets / Assets | 24.75% | 32.39% | 18.41% | 21.54% | 48.29% | 24.23% | 31.87% | 29.10% | +756 bps | |