Frontenacks, KS · Charter 67833
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, 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.
Frontenacks, KS · Charter 67833
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 | 1.89% | 2.12% | 2.90% | 1.58% | 0.90% | 1.15% | 0.50% | 2.02% | +44 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 5.92% | 2.57% | 9.36% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 5.61% | 5.15% | 5.53% | 4.13% | 3.32% | -228 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 71.82% | 82.56% | 79.17% | 87.79% | 64.22% | -760 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.28% | -3.02% | -5.19% | -12.11% | -10.24% | -9.12% | -8.22% | -3.48% | +863 bps | |
| Loan Growth (YoY) | -6.28% | 17.02% | 33.08% | 37.29% | 46.49% | 7.30% | -49.56% | -65.43% | -10,272 bps | |
| Share Growth (YoY) | -4.42% | -4.30% | -7.35% | -16.04% | -14.47% | -13.69% | -12.42% | -7.88% | +815 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.35% | 1.52% | 2.39% | 2.12% | 2.18% | 0.46% | 4.02% | 11.94% | +982 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 | 3.19% | 2.47% | 2.11% | 2.15% | 2.26% | 1.83% | 3.20% | 4.77% | +262 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 19.46% | 19.60% | 21.55% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 19.46% | 19.60% | 21.55% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.33% | 88.62% | 109.07% | 116.12% | 113.61% | 110.17% | 62.81% | 43.57% | -7,254 bps | |
| Liquid Assets / Assets | 31.75% | 23.04% | 4.01% | 0.00% | 0.00% | 11.20% | 49.54% | 65.86% | +6,586 bps | |