Dodge City, KS · Charter 67798
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 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.
Dodge City, KS · Charter 67798
Q4 2002
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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.31% | 1.07% | 0.91% | 0.54% | 0.76% | 0.87% | 1.00% | 0.80% | +25 bps | |
| Return on Equity | n/a | n/a | 5.44% | 3.48% | 4.66% | 5.73% | 6.09% | 4.60% | +112 bps | |
| Net Interest Margin | 4.90% | 5.29% | 4.90% | 4.20% | 4.40% | 4.54% | 4.88% | 5.11% | +91 bps | |
| Efficiency Ratio | 72.95% | 70.62% | 76.97% | 86.01% | 81.63% | 78.92% | 75.04% | 81.03% | -498 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.12% | 2.31% | 3.49% | 9.45% | 8.49% | 20.27% | 10.52% | -2.74% | -1,219 bps | |
| Loan Growth (YoY) | 12.45% | 14.42% | 10.69% | 6.85% | 2.44% | -3.45% | -2.93% | -9.66% | -1,651 bps | |
| Share Growth (YoY) | 5.23% | -0.30% | 1.75% | 8.88% | 8.37% | 22.99% | 11.44% | -4.04% | -1,291 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.70% | 0.78% | 1.31% | 0.72% | 1.42% | 1.54% | 2.41% | 3.33% | +261 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 | 1.08% | 0.76% | 0.77% | 0.65% | 0.81% | 0.68% | 0.88% | 0.72% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 16.70% | 15.61% | 16.36% | 15.13% | 16.42% | 17.34% | +173 bps | |
| Net Worth / Assets | n/a | n/a | 16.70% | 15.61% | 16.36% | 15.13% | 16.42% | 17.34% | +173 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.26% | 109.79% | 101.77% | 95.00% | 97.62% | 86.19% | 88.65% | 89.44% | -557 bps | |
| Liquid Assets / Assets | 1.45% | 1.45% | 13.56% | 19.22% | 17.63% | 25.72% | 24.59% | 24.70% | +547 bps | |