Topeka, KS · Charter 67808
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.
Topeka, KS · Charter 67808
Q3 2002
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.34% | 0.51% | 0.31% | -0.10% | 0.03% | -32 bps | |
| Return on Equity | 3.61% | 6.06% | 3.66% | -1.35% | 0.33% | -328 bps | |
| Net Interest Margin | 3.98% | 3.41% | 3.06% | 2.20% | 2.34% | -164 bps | |
| Efficiency Ratio | 80.37% | 85.95% | 90.57% | 104.22% | 98.99% | +1,863 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.49% | 8.94% | 14.79% | 24.68% | 28.11% | +3,159 bps | |
| Loan Growth (YoY) | 24.30% | 0.76% | -4.19% | -24.36% | -28.57% | -5,287 bps | |
| Share Growth (YoY) | -4.58% | 8.91% | 15.53% | 26.51% | 30.76% | +3,533 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.00% | 0.83% | 0.83% | 1.24% | 0.95% | -5 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.49% | 0.65% | 0.73% | 0.60% | 0.61% | +12 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.55% | 8.36% | 8.35% | 7.53% | 7.76% | -179 bps | |
| Net Worth / Assets | 9.55% | 8.36% | 8.35% | 7.53% | 7.76% | -179 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 98.24% | 75.41% | 69.55% | 51.91% | 53.67% | -4,457 bps | |
| Liquid Assets / Assets | 9.61% | 29.62% | 34.95% | 50.41% | 48.90% | +3,929 bps | |