Winfield, KS · Charter 67788
Q2 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 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 1.64% | 1.72% | 2.80% | -1.89% | -1.24% | -3.14% | -3.78% | -658 bps | |
| Return on Equity | 9.67% | 23.68% | 21.51% | 26.99% | -23.57% | -17.38% | -45.85% | -65.52% | -9,251 bps | |
| Net Interest Margin | 6.04% | 5.87% | 6.06% | 8.48% | 7.90% | 7.55% | 5.84% | 6.00% | -248 bps | |
| Efficiency Ratio | 63.89% | 71.93% | 64.06% | 58.85% | 59.89% | 66.53% | 104.51% | 100.72% | +4,187 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.37% | -29.13% | -20.37% | -17.04% | -12.10% | -6.57% | -13.24% | -3.87% | +1,317 bps | |
| Loan Growth (YoY) | -6.44% | -23.91% | -12.80% | -14.50% | -16.51% | -25.24% | -32.30% | -35.95% | -2,145 bps | |
| Share Growth (YoY) | -14.92% | -35.91% | -29.73% | -24.27% | -19.62% | -18.95% | -12.78% | 2.60% | +2,686 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.30% | 1.56% | 5.45% | 8.25% | 5.89% | 4.21% | 3.59% | 3.67% | -458 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 | 3.03% | 2.78% | 3.18% | 1.59% | 5.32% | 2.48% | 3.37% | 2.87% | +128 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.88% | 6.93% | 7.99% | 10.37% | 8.01% | 7.15% | 6.86% | 5.77% | -460 bps | |
| Net Worth / Assets | 5.88% | 6.93% | 7.99% | 10.37% | 8.01% | 7.15% | 6.86% | 5.77% | -460 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 113.02% | 109.94% | 114.38% | 116.33% | 117.39% | 101.40% | 88.79% | 72.63% | -4,371 bps | |
| Liquid Assets / Assets | 4.66% | 6.27% | 2.62% | 0.00% | 9.19% | 20.52% | 20.20% | 27.35% | +2,735 bps | |