Topeka, KS · Charter 67808
Q3 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 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.04% | 0.42% | 0.33% | 0.34% | 0.51% | 0.31% | -0.10% | 0.03% | -32 bps | |
| Return on Equity | n/a | n/a | n/a | 3.61% | 6.06% | 3.66% | -1.35% | 0.33% | -328 bps | |
| Net Interest Margin | n/a | 3.62% | 3.75% | 3.98% | 3.41% | 3.06% | 2.20% | 2.34% | -164 bps | |
| Efficiency Ratio | n/a | 83.12% | 80.80% | 80.37% | 85.95% | 90.57% | 104.22% | 98.99% | +1,863 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.43% | 6.88% | -0.46% | -3.49% | 8.94% | 14.79% | 24.68% | 28.11% | +3,159 bps | |
| Loan Growth (YoY) | 7.96% | 15.79% | 18.65% | 24.30% | 0.76% | -4.19% | -24.36% | -28.57% | -5,287 bps | |
| Share Growth (YoY) | 8.06% | 6.55% | -1.14% | -4.58% | 8.91% | 15.53% | 26.51% | 30.76% | +3,533 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.93% | 2.06% | 1.75% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.40% | 0.32% | 0.41% | 0.49% | 0.65% | 0.73% | 0.60% | 0.61% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 9.55% | 8.36% | 8.35% | 7.53% | 7.76% | -179 bps | |
| Net Worth / Assets | n/a | n/a | n/a | 9.55% | 8.36% | 8.35% | 7.53% | 7.76% | -179 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.51% | 83.86% | 86.82% | 98.24% | 75.41% | 69.55% | 51.91% | 53.67% | -4,457 bps | |
| Liquid Assets / Assets | 8.61% | 0.50% | 0.50% | 9.61% | 29.62% | 34.95% | 50.41% | 48.90% | +3,929 bps | |