Pratt, KS · Charter 67823
Q4 2001
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.88% | 2.41% | 1.87% | -0.59% | 0.51% | -0.12% | -0.78% | -2.71% | -213 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | -0.88% | -6.23% | -23.96% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 6.08% | 6.29% | 5.88% | 4.47% | 4.89% | -119 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 106.08% | 93.15% | 101.74% | 114.39% | 121.06% | +1,498 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.84% | -11.50% | -14.44% | -0.03% | 5.20% | 8.22% | 9.53% | 0.40% | +43 bps | |
| Loan Growth (YoY) | -20.86% | -24.57% | -9.66% | -5.43% | 7.13% | -5.24% | -22.85% | -14.95% | -951 bps | |
| Share Growth (YoY) | -10.50% | -10.69% | -16.63% | 0.36% | 6.56% | 10.44% | 11.65% | 3.90% | +354 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 2.25% | 3.63% | 2.32% | 1.90% | 5.20% | 6.42% | 7.52% | +519 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 | 1.80% | 1.16% | 1.27% | 1.28% | 1.41% | 1.74% | 2.08% | 3.96% | +268 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 13.72% | 12.48% | 11.33% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 13.72% | 12.48% | 11.33% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.88% | 97.21% | 93.93% | 96.68% | 101.43% | 83.41% | 64.91% | 79.15% | -1,754 bps | |
| Liquid Assets / Assets | 11.28% | 13.19% | 15.74% | 1.95% | 0.00% | 26.20% | 32.87% | 19.61% | +1,766 bps | |